vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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: LJ Ross Associates
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX, XXXX XXXX. Box XXXX XXXX, GA XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX, PA XXXX RE : Trafficking Block Request & Personal Information Removal Dear Sir or Madam, I am a verified victim of human trafficking. In accordance with Section 605C of the Fair Credit Reporting Act, I am requesting that the following fraudulent accounts and personal information, which are directly linked to my trafficking experience, be permanently blocked and removed from my credit report. 



XXXX Accounts to Remove : XXXX. XXXX Funding Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX : {$920.00} XXXX. XXXX XXXX Account XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Status : Charged Off XXXX. XXXX Original Creditor : XXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX. XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Addresses to Be Removed Immediately : Please delete the following addresses, which were added without my consent and are associated with my trafficking situation : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Employers to Remove : Please also remove the following employers, which are inaccurately listed and connected to the trafficking activity : PROCESS XXXX XXXX XXXX Legal Basis & Request for Confirmation These accounts, addresses, and employers were connected to events during a time I was being trafficked and do not reflect valid or authorized information. I am requesting that : These items be blocked and deleted within 4 business days, as required under FCRA Section 605C A written confirmation be provided to me once the removal is complete Thank you for your prompt attention and compliance with federal protections for survivors. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: PA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly XXXX XXXX. XXXX ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This letter serves as a follow-up to my previous complaint submitted last month regarding a fraudulent account that has been incorrectly reported on my credit file. I am reaching out once again to formally request your assistance in filing a complaint against TRANSWORLD SYSTEM INC for their continued failure to address this matter appropriately. 

Account in Question : Creditor : TSI/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$930.00}. 

I have strong reason to believe that this account was opened fraudulently using my personal information. I did not open, authorize, or consent to the creation of this account, and its presence on my credit report is both erroneous and harmful. 

Despite several attempts to resolve this matter directly with TRANSWORLD SYSTEM INC, they have failed to investigate or take corrective action. I have disputed this account multiple times, yet it continues to remain on my credit report, causing unjustified damage to my creditstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
According to the FCRA 15 USC 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay debt the debt collector must cease all communication. The debt collectors listed below are the companies that I have tried disputing and always came back verified with no proof of how they verified the debt was mine. 
Debt Collector : XXXX XXXX XXXX Account number XXXX Amount : {$3600.00} Address XXXX, CA XXXX Debt Collector : XXXX XXXX XXXX Account Number XXXX Amount : {$1200.00} Address XXXX XXXXXXXX MN XXXX Debt Collector : XXXX XXXX XXXX Account Number XXXX Amount {$720.00} Address XXXX XXXXXXXX MN XXXX Debt Collector : XXXX XXXX XXXX Account Number XXXX XXXX Address XXXX XXXX, MN XXXX Amount {$1800.00} XXXX XXXX XXXX Account Number XXXX Amount {$530.00} Address XXXX, SC XXXX Debt Collector : XXXX XXXX XXXX XXXX Amount {$1000.00} Account Number XXXX Address XXXX, VA XXXX. These are the debt collectors reporting inaccurately to my credit report never had debt with these companies.

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 2025-07-12 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: LA

Complaint narrative:
According to the FCRA 15 USC 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay debt the debt collector must cease all communication. The debt collectors listed below are the companies that I have tried disputing and always came back verified with no proof of how they verified the debt was mine. 
Debt Collector : XXXX XXXX XXXX Account number XXXX Amount : {$3600.00} Address XXXX, CA XXXX Debt Collector : XXXX XXXX XXXX Account Number XXXX Amount : {$1200.00} Address XXXX XXXXXXXX MN XXXX Debt Collector : XXXX XXXX XXXX Account Number XXXX Amount {$720.00} Address XXXX XXXXXXXX MN XXXX Debt Collector : XXXX XXXX XXXX Account Number XXXX XXXX Address XXXX XXXX, MN XXXX Amount {$1800.00} XXXX XXXX XXXX Account Number XXXX Amount {$530.00} Address XXXX, SC XXXX Debt Collector : XXXX XXXX XXXX XXXX Amount {$1000.00} Account Number XXXX Address XXXX, VA XXXX. These are the debt collectors reporting inaccurately to my credit report never had debt with these companies.

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 2025-07-12 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: SC

Complaint narrative:
The consumer reporting agency has willfully and negligently violated the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ], by continuing to report fraudulent accounts and identity theft-related entries on my credit file. I submitted a valid Identity Theft Report, sufficient proof of identity, and a formal written request for removal in full compliance with the requirements set forth under federal law. However, the agency failed to block the disputed information within the required four-business-day timeframe. This noncompliance represents a direct violation of my rights under the FCRA and has caused ongoing financial and reputational 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 2025-07-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I made an account transfer from my connected external bank account for the amount of XXXX and my account has been blocked for no specific reason. This is not my first external bank transfer transaction I did with my bank, so Im completely lost on why my account is showing blocked. I called my bank and was told they dont know how long the block will be on the account, I asked them to please unblock my account, but no success and now my account has been blocked for over 14 business days with no update. And my funds are blocked on the account and I cant access it.

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 2025-07-12 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I am a victim of identity theft has numerous and a current police report on file with Chex Systems. The following inquiries viewed by others that are currently listed and showing on my Chex Systems Consumer Report # : XXXX are fraudulent and unauthorized inquiries and not my inquiries : XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX  and XXXX XXXX XXXX XXXX, Date : XX/XX/XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: DC

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 XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
CFPB Online Submission Supplemental Complaint Subject : TransUnion 's Ongoing Denial of Access to Credit Report ( FCRA 612 Violation ) Dear Consumer Financial Protection Bureau, I am filing this supplemental complaint to document TransUnions continued failure to provide lawful and timely access to my credit file, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681g ( 612 ).

Despite repeated attempts, I have been unable to access my full TransUnion credit report through both www.annualcreditreport.com and the TransUnion direct portal. The response I consistently receive is : " Your report is not available at this time. '' This issue has persisted for weeks, and appears to have stemmed after I submitted active disputes. 

Steps Taken : Attempted access through XXXX, XXXX, and XXXX XXXX all yielded the same result. 

Cleared cached data and cookies across all browsers. 

Verified my identity through both platforms multiple times. 

Attempted login across different devices and IP addresses.

Legal Basis : Under FCRA 612 ( a ) ( 1 ) ( 15 U.S.C. 1681g ), every consumer has the right to obtain a full and accurate disclosure of their file once every 12 months, free of charge. The inability to do soespecially during an active dispute periodobstructs my ability to verify, challenge, or monitor information that TransUnion is furnishing to third parties, thereby compounding any ongoing FCRA violations. 

Furthermore, this lack of access : Violates due process protections under the FCRA, especially while active disputes remain unresolved. 

Is not reasonably explained by any known technical or compliance issue. 

Is widely reported by other consumers, suggesting a systemic failure or willful noncompliance by TransUnion.

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 2025-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 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 2025-07-12 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: TX

Complaint narrative:
This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name. 

These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging. 

Legal Grounds for Immediate Deletion : Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data : 15 U.S. Code 1681c2 : I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request.

12 CFR Part 1022, Subpart H : You are legally required to delete fraudulent information from my credit file within four ( 4 ) business days of receiving notice.

15 U.S. Code 1681a ( 2 ) ( B ) : Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report.

15 U.S. Code 1692j : Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law. 

Demand for Immediate Action : Let me be absolutely clear : These accounts are fraudulent. 

Your continued reporting of them is reckless and potentially unlawful. 

I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately. 

Any collection efforts tied to these accounts must cease and desist without delay. 

BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-07-12 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: 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 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 2025-07-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc
State: CT

Complaint narrative:
This company should close this account and pay me retribution for the problems caused and stress and charges made to my credit score and refund my monies back and remove my information from the dark web. 

Chime Creditor Information CHIMEXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX They opened this credit account without my consent and are stating that it does not show in their system and that it is not open. They refuse to send me information on this account stating that I owe {$270.00} and are refusing to close this account that I never opened. I never asked for this credit pre pay card. They opened it on XXXX XXXX. I created a dispute many times I also found out through XXXX XXXX that this company is giving me a negative review on my credit to all three credit beuros. I found out through credit wise that my social security number and email XXXX have been compromised and are used in the dark web.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I 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 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 2025-07-12 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: CA

Complaint narrative:
The consumer reporting agency is willfully and negligently failing to comply with the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.C. 1681c-2 ], by continuing to report fraudulent accounts and identity theft-related information on my credit file. Despite being provided with an Identity Theft Report, proof of identity, and a formal request for removal, the agency has failed to take action within the required timeframe. This constitutes a violation of my consumer rights and has resulted in ongoing financial and reputational harm.

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 2025-07-12 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: NV

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief