vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CADENCE BANK
State: MS

Complaint narrative:
On XX/XX/year>, I had XXXX transactions that came out of my account around XXXX. The first transaction for {$9.00} put my account in the negative by XXXX cents. The second transaction was {$15.00} which made my account- {$15.00}. I made an instant transfer using my debit card from Current of {$16.00} around XXXX that XXXX  after getting off work.I logged in to my account immediately after and it showed my balance was XXXX. I also had a deposit of {$50.00} later the next day. So the next day I login to my account and theres XXXX overdraft fees. I immediately contacted support and go no help. They said they couldnt reverse the overdraft fees because even though I made a transfer the night before, it did not process until the next day. Same with going in branch. Absolutely no help. I feel they robbed me of the last few dollars I had to eat that weekend. I am so upset with them and honestly dont know what to do. I know for a fact if this doesnt get handled, I will be closing my account. How does an instant transfer not process until the next day? A {$36.00} charge for XXXX cents is absolutely riculous. The lady at the bank said that XXXX wouldnt cause an overdraft fee, but since it was XXXX charges, they charged me XXXX overdrafts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
This complaint is submitted in accordance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to request that Equifax immediately block and delete the following accounts from my credit report. These accounts are the result of identity theft and are being wrongfully reported under my profile. Federal law mandates that action must be taken within four business days of this notice.

The following fraudulent accounts must be removed : An auto loan with XXXX XXXX XXXX opened on XX/XX/XXXX, showing a balance of {$23000.00} A collection account with XXXX XXXX XXXXXXXX opened on XX/XX/XXXX, with a balance of {$1300.00} Under FCRA Section 611 ( 15 U.S.C. 1681i ), I dispute these items in full and demand that Equifax reinvestigate each entry. I require a complete explanation of the verification process, including the method used and any original documents or physical proof used to validate these accounts. If you are unable to produce these materials, the continued reporting of these accounts will constitute prima facie evidence of fraudulent activity and must be removed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: IN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple XXXX  and XXXX XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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:
I am currently dealing with a very difficult situation as a victim of identity theft. These accounts were created without my permission or awareness. This fraudulent activity is causing me serious stress and interfering with my everyday life. The fraudulent items are : ACCOUNT XXXX XXXX XXXX XXXX XXXX - opened in XX/XX/XXXX As part of this fraud i found the next Inquiries : XXXX XXXX inquired on XX/XX/XXXX. 
XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX inquired on XX/XX/XXXX XXXX XXXX inquired XXXX XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX inquired on XX/XX/XXXX XXXX  inquired on XX/XX/XXXX, XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX 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 2025-06-02 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: OH

Complaint narrative:
I am currently dealing with a very difficult situation as a victim of identity theft. These accounts were created without my permission or awareness. This fraudulent activity is causing me serious stress and interfering with my everyday life. The fraudulent items are : ACCOUNT XXXX XXXX XXXX XXXX XXXX - opened in XX/XX/XXXX As part of this fraud i found the next Inquiries : XXXX XXXX inquired on XX/XX/XXXX. 
XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX inquired on XX/XX/XXXX XXXX XXXX inquired XXXX XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX inquired on XX/XX/XXXX XXXX  inquired on XX/XX/XXXX, XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
This company has failed to provide proper documentation establishing a valid chain of custody for the alleged debt, including legal evidence of how the debt was acquired. Additionally, they have not furnished accurate records that match the amounts currently being reported on my credit report, nor have they provided correct and complete information identifying the original creditor. These omissions constitute a failure to validate the debt in accordance with the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and call into question the accuracy of the information reported under the Fair Credit Reporting Act ( 15 U.S.C. 1681i )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CO

Complaint narrative:
I have my Social Security XXXX benifits direct deposited into cash app account. I am missing a deposit and the social security administration verified the deposit was received but cash app has no record of the deposit it transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
Im reaching out because I found incorrect information on my credit report that absolutely does not belong there and I need it fixed right away.

Specifically, theres an account showing up that I dont recognize at all. Ive never opened it, never authorized it, and I have zero ties to it. This is not my account, and I shouldnt have to deal with the consequences of someone elses error ( or worse, 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 non-monetary relief
Consumer complaint received 2025-06-02 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: WI

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 2025-06-02 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and 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 2025-06-02 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: CT

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account XXXX : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX  Inquiry Date XXXX XX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
Due to a dXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts have surfaced on my credit file. Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( a ) ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Also, would like to have all XXXX XXXX XXXX  REMOVED from my credit report, except for my only XXXX XXXX XXXX  listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please XXXX XXXX XXXX the following accounts from my credit report Accounts 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 explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint because Equifax is reporting inaccurate and structurally inconsistent information regarding a charge-off account from XXXX XXXX XXXX  ( partial account number XXXX ). 

The account is listed as charged-off with a {$0.00} balance and marked account transferred or sold, which is already a contradiction in status. 

No payment activity is reported after XX/XX/XXXX, yet Equifax still reflects delinquency and charge-off activity well into early XXXX. Additionally, the record lacks data for several months and contains no actual activity to justify continued derogatory reporting. 

I conducted a XXXX XXXX audit, and the structure of this accounts reporting is deficientmissing standard coding, incomplete payment timelines, and noncompliance with FCRA accuracy requirements. 

I previously disputed this with no documented validation from the furnisher. Therefore, XXXX continued reporting violates : 15 U.S.C. 1681e ( b ) : Requires information to be accurate and completethis account is neither.

15 U.S.C. 1681i ( a ) : Mandates deletion of data that can not be verified.

15 U.S.C. 1681s-2 ( b ) : Prohibits furnishers from continuing to report unverifiable or inconsistent data. 

According to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX University, courts have ruled that credit reporting agencies must delete unverifiable data following a disputeno exceptions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Equifax P.O. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX : Account number Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
[ Identify item ( XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report

Company response to consumer: Closed with non-monetary relief