vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
My name is XXXX XXXX. My date of Birth is XX/XX/year>. My social security number is XXXX. 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of 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.

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 2025-05-22 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: OH

Complaint narrative:
RE : Formal Dispute of Inaccurate Information - FCRA 611 SSN : XXXX DOB : XX/XX/XXXXXX/XX/year> Phone : ( XXXX ) XXXX Dear Credit Bureau, Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I formally dispute the following inaccurate, unverified, and misleading information on my credit file. All items must be corrected or deleted immediately : # XXXX. INCORRECT PERSONAL INFORMATION ( FCRA 605 ) ONLY VALID ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX DELETE THESE ERRONEOUS ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX All variations of XXXX XXXX XXXX ( XXXX, OH XXXX ) All variations of XXXX XXXX XXXX ( XXXX, OH XXXX ) XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX # XXXX. INACCURATE ACCOUNTS ( FCRA 623 ) COLLECTION ACCOUNTS ( REQUIRE VALIDATION ) : XXXX XXXX XXXX ( {$1800.00} ) - No proof of debt XXXX XXXX  ( {$430.00} + {$690.00} ) - No signed agreement XXXX XXXX ( {$3300.00} ) - Incorrect charge-o CLOSED/PAID ACCOUNTS MISREPORTED XXXX XXXX XXXX ( {$400.00} XXXX XXXX Should show closed XXXX XXXX XXXX ( Multiple ) - Paid/closed, not negative XXXX XXXX XXXX  XXXX - Incorrect negative marks STUDENT LOAN XXXX XXXX XXXX XXXX  - Incorrect reporting # XXXX. UNAUTHORIZED INQUIRIES ( FCRA 604 ) # XXXX. MEDICAL BILLS ( HIPAA VIOLATIONS Any medical collections - Delete for non-compliance DEMAND FOR ACTION Per FCRA 611, you must within 30 days : Delete all unverified items Correct all inaccuracies Provide written results Update my file to reflect ONLY my valid address Failure to comply will prompt : CFPB/FTC complaints Legal action Enclosures : - Copy of OH Driver 's License - Utility Bill ( Proof of Address ) Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/scrub>XX/XX/XXXX  Phone : ( 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 2025-05-22 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: OH

Complaint narrative:
RE : Formal Dispute of Inaccurate Information - FCRA 611 SSN : XXXX DOB : XX/XX/XXXXXX/XX/year> Phone : ( XXXX ) XXXX Dear Credit Bureau, Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I formally dispute the following inaccurate, unverified, and misleading information on my credit file. All items must be corrected or deleted immediately : # XXXX. INCORRECT PERSONAL INFORMATION ( FCRA 605 ) ONLY VALID ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX DELETE THESE ERRONEOUS ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX All variations of XXXX XXXX XXXX ( XXXX, OH XXXX ) All variations of XXXX XXXX XXXX ( XXXX, OH XXXX ) XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX # XXXX. INACCURATE ACCOUNTS ( FCRA 623 ) COLLECTION ACCOUNTS ( REQUIRE VALIDATION ) : XXXX XXXX XXXX ( {$1800.00} ) - No proof of debt XXXX XXXX  ( {$430.00} + {$690.00} ) - No signed agreement XXXX XXXX ( {$3300.00} ) - Incorrect charge-o CLOSED/PAID ACCOUNTS MISREPORTED XXXX XXXX XXXX ( {$400.00} XXXX XXXX Should show closed XXXX XXXX XXXX ( Multiple ) - Paid/closed, not negative XXXX XXXX XXXX  XXXX - Incorrect negative marks STUDENT LOAN XXXX XXXX XXXX XXXX  - Incorrect reporting # XXXX. UNAUTHORIZED INQUIRIES ( FCRA 604 ) # XXXX. MEDICAL BILLS ( HIPAA VIOLATIONS Any medical collections - Delete for non-compliance DEMAND FOR ACTION Per FCRA 611, you must within 30 days : Delete all unverified items Correct all inaccuracies Provide written results Update my file to reflect ONLY my valid address Failure to comply will prompt : CFPB/FTC complaints Legal action Enclosures : - Copy of OH Driver 's License - Utility Bill ( Proof of Address ) Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/scrub>XX/XX/XXXX  Phone : ( 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 2025-05-22 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:
This letter is to demand the immediate removal of credit inquiries made without my knowledge or consent. These inquiries represent an unauthorized and fraudulent use of my personal information, and I will not accept them being tied to my name. 

Let me be perfectly clear : I did not initiate, authorize, or approve these credit inquiries in any form. They were made without my permission, and they do not reflect any action I took or intended to take.

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 2025-05-22 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: NV

Complaint narrative:
I recently identified fraudulent accounts on my credit report following a data breach. Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( a ) ), I demand they be blocked and deleted 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$12000.00} XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$2900.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$22000.00} Inquiries XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX  Date XXXX XXXX XXXXXXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX  Date XXXX XXXX XXXX XXXX Date : XXXX XXXXXXXX XXXX Date : 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 2025-05-22 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: NV

Complaint narrative:
I recently identified fraudulent accounts on my credit report following a data breach. Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( a ) ), I demand they be blocked and deleted 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$12000.00} XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$2900.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$22000.00} Inquiries XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX  Date XXXX XXXX XXXXXXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX  Date XXXX XXXX XXXX XXXX Date : XXXX XXXXXXXX XXXX Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
I am XXXX XXXX. My name is on the account with XXXX XXXX I have a POA. On XX/XX/year> XXXX 's phone was disconnected for no payment. This is what alerted us to their being an issue. I called the bank and her automatic withdrawals from the bank had been stopped. Arvest asked if we made a {$10000.00} transfer from one account to another. We said we did not do that so we immediately went to the local Arvest Bank in XXXX, Oklahoma. They then showed us that a {$10000.00} transfer from one account to another on XX/XX/year> and then XXXX more transactions on XX/XX/year> of {$5000.00} from our account to coinbase.com and {$3000.00} from our account to coinbase.com. We signed papers at this point stating we did not do these XXXX transactions and if someone had her password it was done fraudulently. XXXX has a memory problem so I assist her with her banking. The bank asked that we take her computer to a computer store to have it checked which we did and had all her passwords that are saved on the computer removed and all pop ups removed also. We closed the XXXX accounts and opened XXXX new accounts. We explained that she did use XXXX to buy her groceries and the payment method is the checking account. We explained she had no one in her home and that she does not answer her phone to anyone that is not in her address book on her phone. We again explained that we did not do these XXXX transactions. The money ( {$8000.00} ) was returned to her account XX/XX/year> with the explanation on the bank statement dispute credit and we thought the claim was settled again. I then received XXXX letters through the mail from Arvest that requested that I sign the XXXX letters for each of the XXXX amounts and return. I signed the letters and sent them to Arvest in Arkansas the next day. Later I found out they said they did not receive the letters and the letter said if we did not return the letters the claim would be closed. I again thought the issues was resolved. I'm not for sure exact date but the {$8000.00} was removed from the account by Arvest. A letter dated XX/XX/year> was received from Arvest in Arkansas stating they had received confirmation from the merchant that authorization was provided for the transactions in question. I called Arvest in Arkansas on XX/XX/year> told me at that time I had not sent the letters back to them which I did.

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 2025-05-22 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NH

Complaint narrative:
I opened a chime account on XX/XX/XXXX and deposited {$500.00}, i also setup direct deposit from my work to try out their features. I used chime normally until the XXXX when i noticed several charges coming out of my account starting XX/XX/XXXX by the merchant " topper '' for a totalof {$900.00}, i contacted chime right when i noticed it and started a dispute for the unauthorized charges, within 24 hours it was denied, i reopened the case and 5 days later it was denied again. 

I in no way dealt with the merchant '' topper ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow resonance procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account.

Your failure to positively verify these accounts has my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 

I demand that the following account be validated or DELETED immediately : Account Number : XXXX Account Name : SANTANDER In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-05-22 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: PA

Complaint narrative:
On XXXX XXXX 2025, I submitted a formal fraud block request to Equifax under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). I included : An FTC Identity Theft Report A copy of my government-issued ID A lease agreement as proof of residency Under the law, Equifax was required to block and permanently delete the listed fraudulent information within four ( 4 ) calendar days no later than XXXX XXXX, 2025.

I sent a follow-up letter on XXXX XXXX, 2025, and as of today ( XXXX XXXX, 2025 ), Equifax continues to report the following fraudulent and unauthorized items, in direct violation of FCRA 605B : Fraudulent Charge-Offs : XXXX XXXX XXXX  Acct # : XXXX {$17000.00} XXXX XXXX Acct # : XXXX {$7300.00} XXXX XXXX Acct # : XXXX {$570.00} XXXX XXXX XXXX XXXX Acct # : XXXX {$10000.00} XXXX XXXX XXXX  Acct # : XXXX {$6500.00} XXXX XXXX XXXX Acct # : XXXX {$29000.00} Fraudulent Collection : XXXX XXXX XXXX Acct # : XXXX {$13000.00} Unauthorized Inquiry : XXXX XXXX XXXX XXXX XXXX 2025 Despite receiving all documentation and being placed on legal and constructive notice, Equifax has not taken the action required by law. This has caused material harm including denials of credit, reputational damage, and emotional distress.

I am now preparing to initiate legal action in the Court of Chancery of the State of Delaware and/or U.S. District Court , and I will also notify the Office of the Attorney General and file IRS Form 3949-A and Form 211 regarding potential financial reporting abuse and improper monetization of fraudulent debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
Roundpoint Mortgage serviced our home loan. We closed on the sale of the property XX/XX/XXXX. Roundpoint Mortgage finalized the pay off of the loan on XX/XX/XXXX. 

XX/XX/XXXX - I contacted Roundpoint concerning not receiving escrow refund check. I was told it was mailed, but a stop payment would be issued. That same day, I received the check and contacted XXXX letting them know it arrived. I was instructed to deposit the check and the stop payment would be removed. I immediately deposited the check but it was return due to the stop payment. 

XX/XX/XXXX - I contacted Roundpoint to let them know the stop payment was not removed and the check was returned. I was informed a replacement check was processed and mailed. 

XX/XX/XXXX - I contacted Roundpoint concerning the replacement check. I was told the replacement check was cut on XX/XX/XXXX and mailed. Roundpoint requested I allow another week to receive the check XX/XX/XXXX - I contacted Roundpoint to let them know I have not received the check. Roundpoint stated another stop payment will need to be issued and mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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