vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear Truist Bank Compliance Team, I hope this message finds you well. 

I am writing to dispute the reinstatement of negative reporting on my credit report. This raises several important legal and procedural concerns, particularly regarding credit reporting and the bankruptcy process. 

If a creditor re-reported negative information about a debtorsuch as a delinquency or default that had previously been removedand also included the fact that the debtor filed for XXXX XXXX and listed them in the plan before confirmation, heres what could be at play : Permissible Reporting : Under the Fair Credit Reporting Act ( FCRA ), a creditor can report accurate information, including that a debtor filed for bankruptcy and included them in a XXXXXXXX XXXX XXXX. However, they must ensure the data is accurate and not misleading, especially considering the pending status of the plan. 
Violation Possibility : If the plan hasnt yet been confirmed, and the debtor is making timely payments according to the proposed plan, aggressively negative reporting could be challengedparticularly if its inconsistent with how bankruptcy cases are treated under XXXX XXXX credit reporting guidelines. Reinstating deleted negative items in a way that appears retaliatory or misleading may even flirt with a violation. 
Automatic Stay Protections : The act of re-reporting negative marks could potentially violate the automatic stay if its interpreted as a collection effort or an attempt to influence the bankruptcy outcome, depending on the creditors intent and conduct. 
Debtor Remedies : If the debtor believes the reporting is inaccurate, they can dispute it with the credit bureaus and request verification. If its found to be false or misleading, the creditor could be subject to FCRA penalties or even face sanctions in bankruptcy court. 
Given these points, I would like to formally dispute the reinstatement of negative reporting on my credit report. 

P.S. Please see the official FBI letter, which you may not have yet, confirming that I am a victim of financial fraud in a current FBI investigation, along with other supporting documents. 

Thank you for your attention to this matter. 

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 2025-06-26 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: MN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 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 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 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
Consumer complaint received 2025-06-26 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:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
I did a credit report check and noticed I had late payments on an account and I have never been late according to the credit reporting agencies and they have taken a vital role and responsibility to submit consumer information to the maximum extent possible. This attitude I have never been late on payments on this account ( XXXXXXXX XXXX XXXX XXXX  XXXX ) Please investigate and provide proof of bank statements showing these payments are late, if proof can not be provided I demand these payments be brought up to date on time as they should be because I have never been late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: UT

Complaint narrative:
On XX/XX/XXXX, I received an unsolicited phone call from someone claiming they had access to my personal information through my online activity. They threatened harm to me and my family unless I paid them {$4500.00} via Cash App to the account XXXX XXXXXXXX. I explained I couldnt afford that amount, so they reduced their demand to {$900.00}. I sent {$900.00} through Cash App to XXXX XXXXXXXX. 

Shortly after confirming the transaction, they called back and demanded the remaining {$3600.00}, claiming they could not erase my information without full payment. I became suspicious, hung up, and searched the phone number online : XXXX ( XXXX ) XXXX. I found multiple reports from others who had received similar threats, confirming it was a scam. 

That same day, XX/XX/XXXX, I contacted Cash App and submitted a case requesting a reversal of the {$900.00} transaction and to have the scammers account blocked. On XX/XX/XXXX, I received a response from Cash App stating they would not reverse the transaction or block the account, and directed me to their help section if I had further questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: MD

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
The following information on my credit report with TransUnion is the result of identity theft and should be blocked : Fraudulent Accounts : XXXX. XXXX XXXX XXXX / Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX / Account # XXXX XXXX. XXXX XXXXXXXX XXXX / Account # XXXX XXXX. XXXX XXXX XXXX / Account # XXXX Incorrect Names on File : - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Correct Name : - XXXX XXXX XXXX XXXX Addresses to be Deleted : - XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, MD XXXX XXXX XXXX Saw XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX Inquiries XXXX/ XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXXXX/XX/XXXX As required by XXXX U.S.C XXXX, please block this fraudulent information from my TransUnion credit report immediately. This information should be blocked for XXXX year, at which point I may request an extension of the block. During the block, you may not report any information that contains fraudulent content. 
Several times I have contacted TransUnion regarding these fraudulent accounts, but they have not provided me with a solution. This situation is directly impacting my financial progress and my ability to stabilize my living conditions. Ive been working hard to build a better future, and seeing these fraudulent items remain on my TransUnion report is holding me back from moving forward with serious personal goals, including providing a secure place to live. 
I have requested contracts from these companies showing any agreement or authorization with my information, and for more than XXXX days I have received no response. I respectfully ask that these accounts be removed immediately. 
I am attaching the FTC report, and I hope that you will make a fair decision regarding my situation. Thank you.

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 2025-06-26 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I disputed this account on XX/XX/year> and the creditor shows " Reinvestigation in Progress '' and it has shown this for more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
I have been in contact with the XXXX XXXX of legal affairs over the rental property I owed a debt to. We settled the debt and signed a Mutual Termination and Release agreement. The debt XXXX, Aldous and Associates, refuse to remove and reverse the effects to have that reflect on my credit. 
I called Aldous and Associates on Tuesday XX/XX/year> and was told informed that I had to mail off those documents ( emails, copy of agreement ) to their XXXX XXXX XXXX they can do anything. I mailed off those requested documents that same evening and it was delivered today, XX/XX/year> at XXXX. 
I am filing a complaint because the representative I received today, XX/XX/year> at XXXX EST was very rude. She would not allow me to ask her the question of how does this process work now that I have mailed off the documents to you all. She hung up in my face after talking over me and cutting me off mid-sentence. I called back to speak with a supervisor and asked the supervisor to please go back and listen to that phone call because it was unprofessional and inappropriate from the representative - all calls are monitored and recorded. The supervisor name is XXXX, yet the original representative would not repeat her name for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: SC

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-26 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: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 AR XXXX ACCOUNTS : XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$10000.00}

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 2025-06-26 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: GA

Complaint narrative:
I just reviewed my Transunion report and noticed there were fraudulent inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> in addition to the other 3 fraudulent inquiries listed. Please remove these fraudulent items from my credit report as they are hindering my ability to obtain credit. I have attached the necessary documents and FTC Identity Theft Report to this complaint.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are several addresses appearing on my credit report that are incorrect and should be removed right away. Ive submitted the proper documentation to help validate my identity and current address. Please take the necessary steps to delete these inaccurate entries from my report without delay.

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 2025-06-26 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: Chime Financial Inc
State: MA

Complaint narrative:
I've contacted the company over 100 times since XX/XX/year>XXXX  for inaccurate reporting by chime, they are committing fraud by false reporting. 
They have not responded or resolved the issue, they are false reporting. 
They were supposed to provide me with a 1099-c as per my RIGHT, I owe no balance and they are committing fraud for a balance that was paid in full 2 years ago. 
I want a copy of their 1099-c showing exactly why this is still on my credit report if they did what they were supposed to do legally. they are also in violation of the Fair credit act and credit reporting act and tax consumer protection laws. This has ruined my life and financial standing, it's incorrect how they are reporting and I will take legal action for my rights being violated for 3 years now. I do not acknowledge any debt, I have no account with debt legitimately, my accounts have been compromised and apart of major breaches. 
Any debt incurred is a result of someone or something else and I have no knowledge and need it removed. I have not been notified legally of any debt and never signed up for anything at any point that would create a debt in my name. 
Please remove said debt, as it is hindering my financial progress and stopping my livelihood, I have consumer rights and they are being violated. I will take legal action if this isn't corrected, chime is already being sued for false reporting right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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 kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: AR

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 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 2025-06-26 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief