vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/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 2025-06-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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 : 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 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 2025-06-15 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: GA

Complaint narrative:
I am submitting a complaint against Experian for failing to remove or correct inaccurate, harmful information related to an auto loan with XXXX XXXX XXXX. 

On XX/XX/year>, I submitted a formal written request to XXXX XXXX for voluntary repossession of the vehicle tied to this account. I also filed a dispute with Experian to have the information corrected or deleted, as the account continues to report as open, delinquent, and with an active balance, despite my good-faith efforts to resolve the matter. 

As of today, XXXX XXXX has not picked up the vehicle, and Experian continues to report accumulating late payments, harming my credit even though I am no longer in possession of the vehicle and have replaced it with a new auto loan through XXXX XXXX. 

Experians failure to investigate and correct this entry violates my rights under : FCRA ( 15 U.S. Code 1681i ) Right to dispute and have inaccurate, unverifiable, or incomplete information corrected within 30 days FCRA ( 15 U.S. Code 1681s-2 ( b ) ) Obligation to correct or delete disputed information if the furnisher ( XXXX  ) does not verify accuracy Despite providing documentation with my dispute, Experian has not resolved the issue or removed the tradeline. I am requesting that Experian be compelled to : Delete the XXXX XXXX account entirely from my credit report Cease reporting late payments that occurred after my repossession request Acknowledge their failure to act on valid dispute evidence

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 2025-06-15 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, AR XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, GA XXXX : Request for Removal of Closed Accounts from Credit Report To Whom It May Concern, I am writing to formally dispute the following closed account ( s ) listed on my credit report. I recently obtained a copy of my credit report from your bureau, and I have identified the following account ( XXXX ) as inaccurately listed and/or no longer relevant under FCRA guidelines XXXX Creditor Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Closed : XX/XX/XXXX Reason for Dispute : Does Not belong to me According to the Fair Credit Reporting Act ( FCRA ), negative accounts that are outdated should no longer be included on my credit report if they are more than seven years old. Additionally, any account that is not accurately reporting information must be corrected or removed. I am requesting a thorough investigation of this matter and prompt removal of the closed account ( s ) that do not meet FCRA compliance.

Please provide written confirmation once your investigation is complete. I have included a copy of my credit report with the accounts in question highlighted for your reference. 

Thank you for your prompt 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 2025-06-15 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXX XXXX XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: MI

Complaint narrative:
I am filing a complaint against TransUnion for reporting inaccurate and outdated information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ). First, TransUnion is still listing XXXX as my current employer, although I am no longer employed there. My last day with XXXX was XX/XX/year>, and this information should be promptly updated to reflect the change. 

Secondly, TransUnion has failed to remove XXXX hard inquiries from XXXX ( XXXX XXXX  ) that appear on my report dated XX/XX/year> and XX/XX/year>. I did not authorize these inquiries, nor have I received any proof of authorization after submitting prior disputes. These entries should be deleted unless verifiable documentation of my consent is provided. 

Lastly, XXXX XXXX is still being reported as an active or delinquent account, despite the fact that it was XXXX in my bankruptcy. This account should be updated to show a {$0.00} balance and indicate that it was included in bankruptcy, or be removed entirely from my report. 

Under FCRA Section 607 ( b ), credit reporting agencies are required to maintain the maximum possible accuracy of the information they report. Under Section 611, I have the right to dispute any unverifiable or inaccurate information and expect it to be removed or corrected within 30 days. I am requesting immediate investigation and resolution of these items, as well as written confirmation of the outcome and a copy of my updated credit report.

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 2025-06-15 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX * * * * * * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: Early Warning Services, LLC
State: OH

Complaint narrative:
Name : XXXX XXXX Consumer XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, OH XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXXXXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXXXXXX XXXX XXXXXXXX XXXX ( Open Date : XX/XX/XXXX ) Routing # : XXXX Account # : XXXX Bank : XXXXXXXX XXXX XXXXXXXX XXXX ( Open Date : XX/XX/XXXX ) Routing # : XXXX Account # : XXXX Bank : XXXX XXXX XXXXXXXX XXXX ( Open Date : XX/XX/XXXX ) Routing # : XXXX Account # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: FL

Complaint narrative:
I have submitted a letter out to these account 3 time and to the credit bureau and nothing is been done here are the accounts Disputed Item ( s ) : XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Account charged off/Never late. {$1800.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$1700.00} written off. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$2500.00} Status Account charged off. {$2500.00} written off. {$2500.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date XXXX XXXX {$2500.00} Status Account charged off. {$2500.00} written off. {$2500.00} past due as of XX/XX/XXXX. 



XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$24000.00} Status Account charged off. {$27000.00} written off. {$24000.00} past due as of XXXX XXXX. 

This information is either inaccurate, incomplete, or can not be verified. Under the FCRA, you are required to verify the accuracy of the information within 30 days of receiving this dispute ( or 45 days if initiated through annualcreditreport.com ). If the furnisher of the information can not substantiate the account or its details, it must be removed from my credit report. 
I respectfully request the deletion of this item from my credit report if it can not be verified. Please complete the investigation and provide a written response of the outcome, as well as an updated copy of my credit report. 
Thank you for your time and attention to this matter. I look forward to your resolution within the required timeframe under federal law.

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 2025-06-15 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: IL

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the XXXX  and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-06-15 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: GA

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

1681c-2 ) that you, the Experian 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 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 2025-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am disputing a debt reported by XXXX XXXX XXXX under Account XXXX : XXXX. I have never had any business relationship, contract, or account with XXXX XXXX or any original creditor they XXXX be referencing. I have never borrowed or owed the alleged debt in question. I believe this debt is either the result of mistaken identity, an error, or possibly fraudulent activity. 

I first became aware of this issue when I was contacted or notified about this alleged account. Since then, I have requested verification and documentation proving the validity of the debt and XXXX 's right to collect it. As of this complaint, I have not received any valid proof that I owe this debt or that XXXX XXXX has the legal authority to collect it. 

I request that this account be thoroughly investigated and removed if found to be inaccurate or unverifiable. I also request that any negative credit reporting related to this account be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am disputing this loan due to multiple violations in truth in lending act and multiple other consumer protection laws so I would like for the account to be removed from my credit report and late payments stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: TX

Complaint narrative:
I am writing to dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. My recent credit report includes an account that I believe is inaccurate and does not reflect my credit history properly.

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 2025-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My Chase Account I paid Friday XXXX XX/XX/year> was a charge off account that has a different price then what my XXXXXXXX XXXX  Statement says and what Chase Receipt says and saying I bought a product but I never told that the two times I went into the branches in one day. Also I had no Return Check fees and Non Suffencce funds fees but I was given XXXX and paying back XXXX or the same XXXX XXXX withdrawal but XXXX check that ' says didn't post. And the XXXX XXXX XXXX  check deposited at XXXX XXXX XXXXXXXXXXXX XXXX XXXX won't let me get a account with XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: FinCo Services Inc DBA Current
State: DC

Complaint narrative:
there is a new account listed on my credit report which was not opened by me. this is a fraudulent account, someone stole my identity and opened up the account in my name. this needs to be removed from my account. this is the new account that was reported on my credit report on XX/XX/year> under the name : CURRENTXXXX, company address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX i discovered this fraud when this new account was listed on my credit report. 

nothing has been spent on this card, but i need it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wisconsin XXXX XXXX XXXX To : CFPB Re : Cease and Desist Unauthorized Accounts and Inquiries Due to Identity Theft Dear CFPB I am writing to demand the immediate removal of unauthorized accounts and credit inquiries from my credit report. These items were not initiated or approved by me and are likely the result of identity theft or inaccurate reporting. 

The following items are in dispute : 1. Account ( s ) : Creditor Name : XXXX XXXX XXXX XXXXXXXX Account Number # XXXX Reason : Identity theft Creditor Name : XXXX XXXX XXXX  Account Number # XXXX Reason : identify theft XXXX. Inquiries : XXXX XXXX ] Date of Inquiry : [ XX/XX/XXXX ] Reason : [ e.g., No authorization given fraudulent or unauthorized credit pull ] 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 XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am asserting my rights and requesting the following actions : 1. Cease and desist from reporting or sharing these unauthorized items.

2. Immediately remove the accounts and inquiries listed above.

3. Conduct a reinvestigation and provide the results in writing within 30 days. 
4. Send me a corrected copy of my credit report showing the removal of these items. 

Enclosed you will find the following documentation to support my claim : A copy of my government-issued ID Proof of current address Failure to comply with this request will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state attorney generals office. I am also prepared to pursue legal action under the FCRA and FDCPA. 

Please consider this a final notice. I expect your prompt compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief