vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

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 explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This problem is seriously affecting my peace of mind and sleep. Considering my reliable payment history, I kindly urge you to update my account without delay to relieve this stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
There are XXXX negative accounts on my credit report that contain serious errors and are unfairly damaging my credit score. These accounts are : XXXX XXXX XXXXXXXX Account ending in XXXXXXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX  Account ending in XXXX I have requested verification and validation from the credit bureaus and the alleged creditors, but they have failed to provide original documentation or any legally binding proof of these debts. There is no signature or contract that confirms my responsibility for these accounts. 

According to the Fair Credit Reporting Act ( FCRA ), unverifiable accounts must be removed from the credit report. These entries represent unconfirmed and potentially inaccurate information. 

I am requesting that the CFPB investigate this matter and take appropriate steps to have these accounts deleted if proper verification can not be produced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
Ive been a Target XXXX credit customer since XX/XX/XXXX with a strong history of responsible use. I do not pay late on any of my other credit cards or billsmy credit report reflects that. Unfortunately, I had XXXX payment oversight in late XXXX that was not intentional and not reflective of my typical financial behavior. 

Heres what happened : On my XX/XX/XXXX statement, I paid {$170.00} in full and then made a {$130.00} purchase. A minimum payment of {$29.00} was due on XX/XX/XXXX. 
On XX/XX/XXXX, nothing was paid. The balance became {$160.00}, with a {$63.00} minimum due on XX/XX/XXXX. 
On XX/XX/XXXX, a {$74.00} purchase posted, bringing the total to {$280.00}. The minimum payment was {$110.00}, due on XX/XX/XXXX. 

After making that {$74.00} purchase, I went to pay the balanceas I normally doand discovered the past-due amount. I had not received any alerts, emails, or mailed notices to indicate a payment was missed. Paperless billing was on, but notifications were XXXX by default, which I was unaware of. I later learned that Target transitioned to the Target XXXX XXXX platform in XX/XX/XXXX, and its possible my settings were affected during that change. I paid the entire balance in full on XX/XX/XXXX as soon as I realized the issue. 

Shortly afterward, my credit limit was reduced from {$6700.00} to {$400.00} with no warning. This drastically increased my credit utilization ratio and further impacted my credit score. 

On XX/XX/XXXX, I contacted Target Card Services to request a goodwill adjustment and a review of the credit limit reduction. The first representative told me they cant change any info we gave to the credit bureau. I called again, and the second representative agreed to escalate the requestbut then hung up on me with no resolution. 

My credit score dropped from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX, and the limit reduction has made it harder to recover. This has directly impacted our plans to apply for a car loan for our growing family, and we now expect to pay more due to the increased rate. 

Ive since XXXX paperless billing and enabled all account alerts to prevent this from happening again. This was an honest mistake on an account that had previously been well-managed for 8 years. 

I respectfully request : XXXX. A one-time goodwill removal of the late payment reported in XX/XX/XXXX. 
XXXX. A reinstatement of my previous credit limit, given my history of responsible account use, the unusual circumstances that led to this issue, and the fact that my income has increased since the limit was originally assigned. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: SC

Complaint narrative:
For the XXXX months or so I have been receiving XXXX XXXX XXXXXXXX pay around the XXXX each month.i elected to have cash app take my direct deposit, they were advertising it, 2 days early, and all. At XX/XX/XXXX cash app for some reason kept saying my account does not exist or can not be recovered. So I couldn't log in. I had my phone stolen. Cash app now refuses to release my funds and have held that paycheck and the next one too. I have done everything they asked and I need my money. They won't refund it or transfer to to a new account. They just say unfortunately we can redo this for security reasons. I'm not well lately and my leg was amputated so I can't work. Ive had cash app since 2019. I need my checks I've sent every form of ID, please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to file a formal complaint against TransUnion for conducting inadequate and misleading investigations into disputes regarding my credit profile. The account with XXXX XXXX XXXX XXXX. Account # XXXX.... 
As a consumer, I have a right under the Fair Credit Reporting Act ( FCRA ) Law 15 USC 1681i to have my disputes investigated thoroughly, but TransUnion has failed to fulfill this obligation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am a victim of a recent data breach, and I have discovered fraudulent accounts on my credit profile. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9900.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
Was their online payment method wasnt working never got a notification I have my bank online for automatic payment I was charged late fees account was closed then they reported late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I demand blocking and deletion 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 : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding inaccurate and unlawful reporting by Upstart. The account in question has been marked as a charge-off with a derogatory status, despite the fact that the balance has been fully resolved and the account is closed. Furthermore, the payment history continues to reflect late and derogatory marks even after the account was charged off and closed, which is both misleading and harmful. 



Under the Fair Credit Reporting Act ( FCRA ), information furnished to credit reporting agencies must be complete and accurate. Continued reporting of negative payment marks after the charge-off date constitutes duplicative derogatory reporting and misrepresents the current status of the account, creating a false and unfair picture of my creditworthiness. 



Additionally, this account is no longer active, yet it remains marked as derogatory with no balance due. This is materially misleading and unverifiable since the original terms and repayment responsibility have ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my fourth request for details of the procedure you followed when investigating.I sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within 15 days. Where is it? 
XXXXXXXX XXXX XXXX XXXXXXXX - Under 15 USC 1666 Billing Error - Please Update to Never Late XXXX XXXX XXXX XXXX XXXXXXXX - Under 15 USC 1666 Billing Error - Please Update to Never Late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
On XX/XX/2025, I applied for the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX issued by Comenity Bank through Bread Financial. During the application process, I ensured that my mailing address was accurate and complete. I eagerly awaited the credit card, but when it finally arrived in my mailbox, I discovered a grave error : the unit number had been incorrectly written. Despite this oversight, the USPS somehow delivered the card to my address.

This incident is deeply concerning, as it highlights the careless attitude of Comenity Bank XXXX  financial institution in the United States towards its basic fiduciary duty. Not only did they misrepresent my personal information on the printed mail, but they also did so in their online banking system. Furthermore, when I attempted to rectify the unauthorized change of address, I encountered difficulties and was forced to contact Comenity Bank over the phone to rectify the address they had illegally added to my account. The customer service representatives dismissive attitude, portraying the issue as a common occurrence, only added to my frustration. 

The inability of Comenity Bank to manage mailing addresses effectively, make unauthorized changes, and misrepresent customer information is extremely troubling. I had not requested a change of address, nor had I received any notification informing me that they had arbitrarily set a different address on my account. Moreover, I was not informed that they were sending mail to the incorrect address. 

This experience made me realize that Comenity Bank is a financial institution that can not be trusted to handle customers personal information accurately without errors. Therefore, I immediately closed this account because, based on their customer service, it seems like this is what customers of this bank have to endure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report held with your institution.

According to my credit file, this account is being reported as open, when in fact it has been closed a. Additionally, a late fee of has been assessed, which I am also disputing as inaccurate and invalid due to the closed status of the account.

Under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate and complete information. I am requesting the following corrective actions be taken immediately : 1. Update the status of the account to closed with the accurate closing date.

2. Remove the reported late fee and any associated late payment notations from my credit file.

3. Notify all credit bureaus to which you have reported this inaccurate information and provide corrected information promptly. 
Please provide a written confirmation of these corrections and a copy of the updated reporting you provide to the credit bureaus. If you are unable to verify the accuracy of your current reporting, I respectfully request the immediate deletion of the account from my credit history as permitted by law.

I have included documentation to support my claim, including [ list any supporting documents, e.g., statements, correspondence, closure confirmation ].

Thank you for your prompt attention to this matter. I expect a response within 30 days, as required under the FCRA.

Company response to consumer: Closed with explanation