vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft, and these items were not authorized by me.

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I ask that you block and delete the unauthorized information. I have attached a list of the disputed items and a copy of my Identity Theft Report filed with the FTC. 

Please investigate and remove these items as soon as possible. I would appreciate written confirmation once the corrections are made.

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 2025-05-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Account XXXX XXXX XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXXCertified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

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 2025-05-29 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXXXXXX XXXX XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXXXXXX XXXX XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX 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 AND TRAFFICKING. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXed XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account NamXXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: WA

Complaint narrative:
Details of the Issue : Type of Issue : Inaccurate credit reporting ( old repossession account ) Original Creditor/Servicer : [ XXXX XXXX XXXX ] Credit Bureau ( s ) Involved : [ Experian / Equifax / TransUnion Date of Last Activity : [ over 7 years ago ] Account Number : XXXX This account was previously removed from my credit report after an earlier dispute. Its reappearance appears to violate : 1. FCRA Section 605 ( a ) which prohibits credit bureaus from reporting most negative information after 7 years from the date of first delinquency ; 2. FCRA Section 611 which requires credit bureaus to verify disputed information within 30 days ; 3. FCRA Section 623 which prohibits furnishers of information from reporting data they know to be inaccurate.

I have attempted to resolve this matter directly with the credit bureaus, but the issue remains unresolved. The information in question is either inaccurate, obsolete, or unverifiable, and should not be on my credit file.

Resolution Requested : Immediate deletion of the re-aged/inaccurate repossession account ; A formal investigation into how and why this account was re-reported ; Written confirmation of the outcome.

Enclosed/attached are copies of my identification and supporting documents, including a copy of my credit report highlighting the disputed account.

Thank you for your assistance in protecting my rights under federal consumer protection law. 

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 2025-05-29 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: RI

Complaint narrative:
I am submitting this formal complaint to report multiple serious violations of the Fair Credit Reporting Act ( FCRA ), including unauthorized and inaccurate information being reported on my credit file without my knowledge or consent, in direct violation of my consumer rights under federal law.

After reviewing my credit reports from Equifax, Experian, and TransUnion, I have discovered the following troubling issues : Accounts and inquiries reported without my consent or knowledge, in violation of FCRA 1681b, which limits access and reporting of consumer credit information to only those with a legitimate permissible purpose.

Inclusion of fraudulent or identity theft-related information, which I did not authorize, initiate, or benefit from. Under 15 U.S.C. 1681c-2, I formally assert my right to block all information on my credit report that resulted from identity theft, including any accounts, tradelines, or inquiries that were obtained or opened without my knowledge or permission. This includes : False or fraudulent accounts ; Unauthorized hard inquiries ; Any debts resulting from identity theft.

Despite my prior disputes and requests, this information has not been properly blocked, as required by federal law.

Failure by the credit reporting agencies to block identity theft-related data within four business days after receiving the appropriate documentation, as required under FCRA 1681c-2 ( c ). I submitted identity theft reports and supporting documentation, yet the disputed items remain on my credit file.

Failure to conduct a proper reinvestigation under FCRA 1681i. I received generic, non-substantive responses that did not reflect a meaningful investigation into my disputes.

Reinsertion of previously deleted information without the legally required notice and certification, in violation of FCRA 1681i ( a ) ( 5 ) ( B ).

These actions have had a damaging impact on my creditworthiness, caused emotional and financial stress, and represent clear violations of my rights under the FCRA.

I request that the CFPB take the following actions : Investigate the credit reporting agencies and furnishers for these violations ; Ensure the immediate and permanent deletion of all unauthorized, fraudulent, or inaccurate data from my credit reports, in compliance with 1681c-2 ; Hold the responsible parties accountable through enforcement action ; Provide written confirmation of the outcome and any corrective measures taken.

Attached you will find my dispute letters, proof of identity, identity theft report, and supporting evidence of the unauthorized activity.

Thank you for your prompt attention to this matter.

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 2025-05-29 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: RI

Complaint narrative:
I am submitting this formal complaint to report multiple serious violations of the Fair Credit Reporting Act ( FCRA ), including unauthorized and inaccurate information being reported on my credit file without my knowledge or consent, in direct violation of my consumer rights under federal law.

After reviewing my credit reports from Equifax, Experian, and TransUnion, I have discovered the following troubling issues : Accounts and inquiries reported without my consent or knowledge, in violation of FCRA 1681b, which limits access and reporting of consumer credit information to only those with a legitimate permissible purpose.

Inclusion of fraudulent or identity theft-related information, which I did not authorize, initiate, or benefit from. Under 15 U.S.C. 1681c-2, I formally assert my right to block all information on my credit report that resulted from identity theft, including any accounts, tradelines, or inquiries that were obtained or opened without my knowledge or permission. This includes : False or fraudulent accounts ; Unauthorized hard inquiries ; Any debts resulting from identity theft.

Despite my prior disputes and requests, this information has not been properly blocked, as required by federal law.

Failure by the credit reporting agencies to block identity theft-related data within four business days after receiving the appropriate documentation, as required under FCRA 1681c-2 ( c ). I submitted identity theft reports and supporting documentation, yet the disputed items remain on my credit file.

Failure to conduct a proper reinvestigation under FCRA 1681i. I received generic, non-substantive responses that did not reflect a meaningful investigation into my disputes.

Reinsertion of previously deleted information without the legally required notice and certification, in violation of FCRA 1681i ( a ) ( 5 ) ( B ).

These actions have had a damaging impact on my creditworthiness, caused emotional and financial stress, and represent clear violations of my rights under the FCRA.

I request that the CFPB take the following actions : Investigate the credit reporting agencies and furnishers for these violations ; Ensure the immediate and permanent deletion of all unauthorized, fraudulent, or inaccurate data from my credit reports, in compliance with 1681c-2 ; Hold the responsible parties accountable through enforcement action ; Provide written confirmation of the outcome and any corrective measures taken.

Attached you will find my dispute letters, proof of identity, identity theft report, and supporting evidence of the unauthorized activity.

Thank you for your prompt attention to this matter.

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 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
To whom this may concern, I am a customer of XXXX  and opened an account with them on XX/XX/year>. I signed up for the Chime direct deposit bonus which was when you sign up for a Chime account and direct deposit {$200.00} twice you will receive a {$540.00} XXXX  bonus after 30 days. My employer did two direct deposits to my Chime account on XX/XX/XXXX and XX/XX/XXXX for {$200.00} each. I only received the {$40.00} bonus for signing up for a Chime account and I received the bonus on XX/XX/year>. I have yet to receive the {$500.00} bonus for doing the direct deposits. Chime did not track the deposits as direct deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NY

Complaint narrative:
Somebody took my phone and sent themselves {$41.00} on my cashapp and cashapp didnt do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
This letter serves as final notice of my dispute regarding the inaccurate late payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified ' response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA 1681i. You are also in violation of FCRA 1681e ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance.

You now have 30 days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be 100 % verified with original, substantive evidence.

In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : - In XX/XX/year>, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data. 
These actions prove a pattern of systemic negligence in the industry. Your behavior mirrors the violations highlighted in these cases and only strengthens my intent to pursue legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
On XX/XX/year> My friend tried to send me money that he owed me, but couldn't. Venmo froze my account. I needed to provide ID, which I did, in order for my friend to be able to send me money. 

On XX/XX/year> I had received my money from my friend, but I was unable to transfer it to my bank account. I tried to do it on the website, but was unable to. I contacted customer support, and they said I needed to provide a bank statement/ On XX/XX/year> I provided a bank statement, but then Venmo permanently deactivated my account. They've offered no explanation why. All they've told me is that my funds will be held for 180 days -- which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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 am submitting this complaint to the Consumer Financial Protection Bureau to report multiple inaccurate and potentially unverifiable derogatory accounts listed on my credit report. Despite my efforts to dispute these accounts directly with the credit reporting agencies, they remain unresolved. The reporting of these accounts violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), particularly concerning accuracy, verification, and reinvestigation. 

Disputed Accounts : XXXX XXXX Account # XXXX Reported as a charge-off with a high balance of {$560.00}, opened on XX/XX/XXXX. I have no recollection or documentation of this account and dispute its accuracy. I have requested validation from the credit bureau, which has not been adequately provided. 

XXXX  XXXX Account # XXXX Shows late payments on a {$270.00} account opened on XX/XX/XXXX. This account is reported as delinquent despite being newly opened, which indicates either erroneous or premature reporting. 

XXXX Account # XXXX Listed with late payments on a {$21000.00} account opened XX/XX/XXXX. I dispute the accuracy of this information and have not received a substantiated payment history supporting this delinquency. 

XXXX XXXX Account # XXXX Reported as charged off for {$18000.00}, opened XX/XX/XXXX. I have not received validation of this account, nor does it match any legitimate transaction or loan that I have entered into. 

XXXX XXXX XXXX Account # XXXX This account shows late payments on a {$43000.00} balance, opened XX/XX/XXXX. The reporting is inconsistent and lacks verifiable documentation. I have attempted to dispute this item, but the issue remains unresolved.

Violations and Harm : The presence of these inaccurate accounts on my credit report has resulted in multiple denials of credit, higher interest rates, and emotional distress. The continued reporting of potentially unverifiable accounts violates FCRA 607 ( b ) ( maximum possible accuracy ), 611 ( reinvestigation of disputed information ), and 623 ( duties of furnishers ). I believe these tradelines are either inaccurate, outdated, or unverifiable, and should not remain on my report without full substantiation.

Requested Resolution : I request that the CFPB initiate a review and require the credit reporting agencies and furnishers to : Conduct a full reinvestigation of each disputed account Provide documentation from the original creditor verifying the validity of each tradeline Remove or correct any unverifiable, inaccurate, or incomplete items Issue an updated credit report reflecting all changes If unresolved, I intend to pursue additional legal remedies and file complaints with the FTC and my State Attorney General.

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 2025-05-29 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 submitting this complaint to the Consumer Financial Protection Bureau to report multiple inaccurate and potentially unverifiable derogatory accounts listed on my credit report. Despite my efforts to dispute these accounts directly with the credit reporting agencies, they remain unresolved. The reporting of these accounts violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), particularly concerning accuracy, verification, and reinvestigation. 

Disputed Accounts : XXXX XXXX Account # XXXX Reported as a charge-off with a high balance of {$560.00}, opened on XX/XX/XXXX. I have no recollection or documentation of this account and dispute its accuracy. I have requested validation from the credit bureau, which has not been adequately provided. 

XXXX  XXXX Account # XXXX Shows late payments on a {$270.00} account opened on XX/XX/XXXX. This account is reported as delinquent despite being newly opened, which indicates either erroneous or premature reporting. 

XXXX Account # XXXX Listed with late payments on a {$21000.00} account opened XX/XX/XXXX. I dispute the accuracy of this information and have not received a substantiated payment history supporting this delinquency. 

XXXX XXXX Account # XXXX Reported as charged off for {$18000.00}, opened XX/XX/XXXX. I have not received validation of this account, nor does it match any legitimate transaction or loan that I have entered into. 

XXXX XXXX XXXX Account # XXXX This account shows late payments on a {$43000.00} balance, opened XX/XX/XXXX. The reporting is inconsistent and lacks verifiable documentation. I have attempted to dispute this item, but the issue remains unresolved.

Violations and Harm : The presence of these inaccurate accounts on my credit report has resulted in multiple denials of credit, higher interest rates, and emotional distress. The continued reporting of potentially unverifiable accounts violates FCRA 607 ( b ) ( maximum possible accuracy ), 611 ( reinvestigation of disputed information ), and 623 ( duties of furnishers ). I believe these tradelines are either inaccurate, outdated, or unverifiable, and should not remain on my report without full substantiation.

Requested Resolution : I request that the CFPB initiate a review and require the credit reporting agencies and furnishers to : Conduct a full reinvestigation of each disputed account Provide documentation from the original creditor verifying the validity of each tradeline Remove or correct any unverifiable, inaccurate, or incomplete items Issue an updated credit report reflecting all changes If unresolved, I intend to pursue additional legal remedies and file complaints with the FTC and my State Attorney General.

Company response to consumer: Closed with non-monetary relief