vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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: MD

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 identity 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 " rrting of any.

information in the file of a consumer that the consumer identifies as informaeasonable 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 purpoy report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the repotises. I do not believe any of these permissible purposes apply to the disputed items on mon 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 non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have been trying to get into my Experian account since XX/XX/XXXX. Every attempt so far has lead me in a circle with this company. 
I lost access to a phone number ending in XXXX that was used to create an account. When I called the number given on there website to speak with a representative, as suggested on the help/faq page. I tried using every single keyword related to my issue and only managed to get put on a XXXX minute hold. The person who answered didn't say anything, and hung up. This doesn't seem like a very trustworthy company and they're restricting access to my credit report. I need access to the account in order to remove the freeze. I have even mailed a letter to them and it was 'returned to sender '. 
They should be held responsible for this

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 2025-09-08 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report FTC REPORT XXXX : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 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 four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2025 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MN

Complaint narrative:
I wanted to purchase an XXXX  XXXX XXXX  from an individual on XXXX who claimed she had some XXXX  XXXX XXXX for sale and said she lived in XXXX Minnesota but I never received the XXXX  it was a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I hope this letter finds you well. I am writing to dispute certain items on my credit report in accordance with the Fair Debt Collection Practices Act, specifically under sections 15 U.S. Code 1692 ( c ) and 15 U.S. Code 1692 ( g ).

I have reviewed my credit report and found the following Under 1692 ( c ), I am requesting that you cease reporting these items until you have verified their accuracy, as required by 1692 ( g ). I demand that you respond to this dispute within 72 hours and remove the referenced items from my credit report if they can not be verified.

Please provide me with written confirmation of the outcome of your investigation at your earliest convenience.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: DISCOVER BANK
State: TX

Complaint narrative:
Formal Dispute Under FCRA- Inaccurate Repetitive Reporting of Charged-Off Account Dear XXXX, This letter serves as a formal dispute under the fair credit reporting act ( FCRA ) regarding the repetitive and inaccurate reporting of a charged-off account by Discover Card, which is currently appearing on my credit report. The Discover Credit card account in question XXXX is being reported as charged-off repeatedly each month, which is both factually incorrect and in violation of FCRA. According to the FCRA, information reported to consumer reporting agencies must be accurate, complete, and not misleading [ 15 U.S. Code 1681 ]. Re-reporting a charge-off monthly is not only inaccurate, it creates the false appearance of a recurring derogatory event, which artificially and unfairly suppresses my credit score month after month. Let me be clear : A charge-off is a one-time event that should reflect the original date of occurrence only. Continuing to update the status monthly as if the charge off is renewed is deceptive and noncompliance with the FCRA. Action Demanded : Immediately investigate this account with Discover Card. Correct or delete the inaccurate monthly charge-off updates. Provide a written response within 30 days as requested as required under federal law. Failure to correct this error may result in further action including a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible legal action for willful noncompliance with the FCRA. I have enclosed a copy of my ID, proof of address, and a copy of the relevant credit report with the inaccurate information highlighted. I expect your prompt attention to this matter. please confirm in writing that this dispute has been investigated and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: AR

Complaint narrative:
My cash app card was stolen and a fraud charge for {$910.00} was charged at XXXX without my consent or knowledge. I filed a police report and I filed a dispute with Cash App. I am writing this complaint so this dispute can be governed and handled fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sezzle Inc.
State: TX

Complaint narrative:
I used their service to finance a purchase a long time ago, and during a move after being a victim of XXXX  XXXX, I forgot about this balance. I had already been in the process of paying off other old balances that I had elsewhere and cleaning up debts, etc etc. 

I logged into their portal/app, updated my payment information. They took the XXXX final payments owed to them, and there were fees of roughly {$20.00} owed. The payment did not process on the date, and when I reached out - they told me that I would have to pay to mail a paper check to them and that I was not permitted to use the electronic method. I do not own paper checks, so I would have to pay my bank to provide me with even temporary checks, and then the additional cost to mail it, on top of the cost of gas/mileage, etc etc. 

I attempted to negotiate this with them, requesting they allow an electronic payment since they've been taking these. Yet they refused, and continued to refuse. I was communicating with a " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On several occasions I participated in a casino game and deposit ed money into the account and on two or three occasions the platform was not legit it was not a platform but a scammer and I went to cash up to request or try to refund the money back from the unlegit platform and I was told that they could not refund the money so therefore I lost lots of money through this platform and never did ever get any of it back but the only thing that I received from them was a statement saying to not send money to anyone that you don't know how are you going to know if they are legit or not you do not know you can not know other than to just take a chance on seeing if it is legit but as of today cash app has closed my account because they say that I gambled against their terms of service which is not true and as of today my account is closed and can not be reopened

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Old charge off and paid accounts have not been removed from my credit report as promised orper settlement paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Old charge off and paid accounts have not been removed from my credit report as promised orper settlement paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: MO

Complaint narrative:
Re : Systemic FCRA & CFPA Violations by Equifax, Experian, XXXX, and multiple furnishers. I hereby submit this complaint for persistent, willful, and negligent misconduct in violation of federal consumer protection law. 
Collections/Derogatory Accounts : XXXX XXXX XXXX ( {$6200.00} ) on XXXX  only ; Account # XXXXXXXX XXXX  ( {$140.00} ) on Equifax only XXXX Both remain unverified, yet continue to be reported in violation of FCRA 1681i and 605B. 
XXXX XXXX XXXX : {$650.00} late account, plus inconsistent reporting of multiple open accounts. This constitutes inaccurate reporting under FCRA 1681s-2 ( a ) ( 1 ) ( A ). 
Hard Inquiries : My reports reflect XXXX inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Many are duplicative or outdated, reported without permissible purpose, in violation of FCRA 1681b ( c ). 
Personal Information : Outdated address ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and employer ( XXXX XXXX ) remain in my file, violating accuracy requirements under FCRA 1681i. 

Additional Violations : Failure to properly code consumer disputes under Metro 2.

No written reinvestigation results provided within statutory timelines ( FCRA 1681i ( b ) ). 
Continued reporting of obsolete information and reinsertion of disputed tradelines without proper certification ( FCRA 1681i ( a ) ( 5 ) ).

Violations of the Consumer Financial Protection Act ( 12 U.S.C. 5531 ) prohibiting unfair, deceptive, or abusive acts and practices.

I reserve all rights to pursue statutory damages, injunctive relief, and attorneys fees. These systemic failures have caused over a XXXX drop in my credit score, hindering my financial opportunities and quality of life.

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 2025-09-08 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 fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 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 four business days.

To following information on my credit report is the result of identity theft and should be blocked : 1- XXXX XXXX ( Finance ) XX/XX/year> 2- XXXX  ( Finance ) XX/XX/year> 3- XXXX XXXX ( Bank ) XX/XX/year> 4- XXXX XXXX  ( Bank ) XX/XX/year> 5- XXXX ( Bank ) XXXX XXXX, XXXX  6- XXXX XXXX  ( Bank ) XX/XX/year> 7- XXXX  XXXX ( Auto ) XX/XX/year> 8- XXXX XXXX  ( Bank ) XX/XX/year> 9- XXXX XXXX  ( Bank ) XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in 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 2025-09-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I disputed inaccurate reporting of a XXXXXXXX XXXX XXXXXXXX XXXX XXXX account with Equifax. The account was showing as severely delinquent on my Equifax credit file. 

On XX/XX/XXXX, Equifax responded to the CFPB stating that the disputed item is not currently reporting on the Equifax credit file. However, this statement is false. As of my most recent Equifax credit report dated XX/XX/XXXX, the XXXX. of XXXX account is still reporting on my Equifax file XXXX 

Equifaxs investigation was not conducted properly, and their response to the CFPB was inaccurate and misleading. I am requesting that the CFPB require Equifax to properly investigate and correct this account reporting, as well as provide a clear explanation of why they previously stated the account was not reporting when in fact it is. Please refer back to my original complaint for all my requests on this investigation since Equifax LIED to the cfpd!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information appearing on my consumer report maintained by your organization, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The following information is in dispute : Creditor/Furnisher Name : XXXX XXXX {$350.00} XXXX XXXX XXXX {$460.00} XXXX XXXX  {$680.00} XXXX XXXX XXXX {$1900.00} This information is inaccurate, misleading, and/or unverifiable. As such, it must be corrected or deleted from my credit file in compliance with FCRA 1681i and 1681s-2.

Despite my previous attempts to resolve this matter, you have failed to conduct a reasonable reinvestigation and remain non-compliant with the statutory requirements. This constitutes negligence under 15 U.S.C. 1681o, which holds any person who negligently fails to comply with the FCRA liable to the consumer for : 1. Actual damages sustained by the consumer as a result of the failure ; 2. Costs of the action, together with reasonable attorneys fees as determined by the court.

This letter serves as a final opportunity to correct the non-compliance before I am forced to pursue all legal remedies available to me under the FCRA, including but not limited to filing a civil claim for damages.

Requested Action : Delete or correct the inaccurate entry immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
I opened only a checking account with Current mobile banking. Without my permission or authorization, Current used my Social Security Number to open a secured credit card account in my name. 
This unauthorized account has now been reported to all three major credit bureaus ( XXXX, XXXX, XXXX  ) on XX/XX/2025 negatively affecting my credit report. I never applied for or consented to this account. 
I have contacted Current requesting the account be closed and removed from my credit reports, but the process is ongoing. 
I am filing this complaint to request CFPB assistance to ensure that : The unauthorized credit card account is immediately closed. 
All credit bureaus delete this unauthorized account from my credit report. 
Any negative impact on my credit score is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: CA

Complaint narrative:
FDCPA Violations - No Validation Notice Before Credit Reporting On XX/XX/year>, I received a move-out balance notice for {$160.00} from the original creditor 's " XXXX XXXX XXXX XXXX. '' The notice specifically promised that their " XXXX XXXX XXXX would contact me to assist with working back with past residents to collect balances due after move out. '' Despite this promise, no payment instructions were ever provided. On XX/XX/year>, I replied to the original email requesting payment methods but received no response. On XX/XX/year>, I sent a formal follow-up email demanding payment instructions with a 48-hour deadline. Again, no response. 
During phone calls in XX/XX/year>, I was placed on hold for 50 minutes and told managers were unavailable. When I finally reached a manager, they claimed they had " nothing to do with collections '' and that payment instructions should have come from corporate. 
The debt was assigned to XXXX XXXX XXXX on XX/XX/year>, and reported to credit bureaus on XX/XX/year>. However, XXXX XXXX XXXX never sent me any validation notice as required under the Fair Debt Collection Practices Act. They reported negative information to all three credit bureaus without providing the required 30-day dispute period or informing me of my rights.

This violates FDCPA Section 809, which requires debt collectors to send written validation notice within 5 days of first contact and prohibits credit reporting during the 30-day validation period.

I am seeking complete removal of all negative credit reporting and investigation of these FDCPA violations. The original balance has grown from {$160.00} to {$160.00} with unexplained fees.

I have filed disputes with all three credit bureaus and documented all communication attempts with the original creditor.

Company response to consumer: Closed with explanation