vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 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: FL

Complaint narrative:
I am formally reporting that TransUnion, Equifax, and Experian are causing me serious harm and distress. Their handling of my personal information has violated my privacy, my rights under the Fair Credit Reporting Act ( FCRA ), and potentially federal criminal statutes under Title 18. 

I believe these agencies are : Publishing or maintaining inaccurate or unauthorized data about me, Failing to properly investigate and correct errors when notified, Sharing my private information without valid consent. 

This has resulted in emotional distress, reputational damage, and denial of essential opportunities. Their actions may constitute willful misconduct and could rise to the level of criminal behavior. 

I demand immediate correction of any inaccurate data, full disclosure of all records tied to my name, and a halt to any further unauthorized use of my information. I reserve the right to take legal action and file complaints with the appropriate federal agencies. 

This is urgent and ongoing. I expect immediate attention to this matter. 

XXXX XXXX XXXX Account # : XXXX Balance : {$5100.00} Date opened : XX/XX/XXXX XXXX Account # : XXXX Balance : {$3900.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$2800.00} Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Account # : XXXX Balance : {$460.00} Date opened : XX/XX/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 2025-04-12 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 attached my ftc report and my license to verify myself. Please block and remove the accounts listed on my ftc report. They do not belong to me and they are fraudulent. Please have them taken off my credit report as soon as possible.

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 2025-04-12 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Dispute of Inaccurate Information Potentially Resulting from Data Breach To Whom It May Concern, I am writing to formally dispute inaccurate information in my Equifax credit report. I suspect this inaccuracy may be related to the data breach Equifax experienced in XXXX, during which my personal information may have been compromised. 

The item ( s ) I am disputing are as follows : Creditor Name : XXXX  XXXX Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Creditor Name : XXXX XXXX  Account Number : XXXX The following inquires is unauthorized and need to be removed immediately : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for Dispute : This account is not mine and may be the result of identity theft. I did not authorize or open this account. 

I am requesting that Equifax conduct a reinvestigation of this item under the Fair Credit Reporting Act ( FCRA ). Enclosed are copies of supporting documents to aid in your investigation : Please remove or correct the disputed item and provide a written statement of the results of your investigation. I also request that you send a copy of the updated report to anyone who received my report in the past six months ( or two years for employment purposes ). 

I appreciate your prompt attention to this matter. You may contact me at the above address or by phone/email if further information is needed. 

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 2025-04-12 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Dispute of Inaccurate Information Potentially Resulting from Data Breach To Whom It May Concern, I am writing to formally dispute inaccurate information in my Equifax credit report. I suspect this inaccuracy may be related to the data breach Equifax experienced in XXXX, during which my personal information may have been compromised. 

The item ( s ) I am disputing are as follows : Creditor Name : XXXX  XXXX Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Creditor Name : XXXX XXXX  Account Number : XXXX The following inquires is unauthorized and need to be removed immediately : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for Dispute : This account is not mine and may be the result of identity theft. I did not authorize or open this account. 

I am requesting that Equifax conduct a reinvestigation of this item under the Fair Credit Reporting Act ( FCRA ). Enclosed are copies of supporting documents to aid in your investigation : Please remove or correct the disputed item and provide a written statement of the results of your investigation. I also request that you send a copy of the updated report to anyone who received my report in the past six months ( or two years for employment purposes ). 

I appreciate your prompt attention to this matter. You may contact me at the above address or by phone/email if further information is needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: CUSTOMERS BANCORP, INC
State: DE

Complaint narrative:
Im requesting a reconsideration of my hardship application for personal loan XXXX XXXX through Customers Bank ( serviced by XXXX ). The loan originated on XX/XX/year>, for {$40000.00} with an interest rate of 17.59 %. My current outstanding principal is {$29000.00}, with {$1700.00} in unpaid accrued interest. 

My request for assistance was recently denied due to exceeding the allowable number of loan modifications. However, Im asking for a second review based on my current financial hardship and willingness to continue paying under more manageable terms. 

I am not requesting loan forgiveness my goal is to refinance the loan or extend the term in order to lower my monthly payments. If my monthly payment were reduced to between {$200.00} and {$350.00}, I would be able to consistently make payments without default or delay. Im committed to repaying the loan in full and am simply asking for terms that make that possible during this difficult time. 

Please consider this request for reconsideration or provide alternative solutions that may be available for borrowers in hardship situations.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Comerica
State: OH

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX  social security check stolen.

Loans and auto loans in my name IDENTITY THEFT!! 
IDENTITY THEFT!! 
STOLEN SOCIAL SECURITY NUMBER STOLEN CARDS IN MY NAME XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: MS

Complaint narrative:
I attempted to open a Chime Checking Account and XXXX XXXX account on XX/XX/year>, but my application was denied. The message stated that the denial was due to " security reasons, '' and that no additional information could be provided. I have no history of fraud or misuse and believe this may be due to inaccurate or outdated information in a consumer reporting file ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am requesting that this issue be reviewed and that Chime ( or its reporting partner ) provide clarity and correct any erroneous data that XXXX have led to the denial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I don't recognize the address and names listed. Please remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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:
I don't recognize the address and names listed. Please remove them from my 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 explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
CFPB dispute summary for collections I filed a dispute regarding an inaccurate account appearing on my credit reports. It has been well over 30 days since the dispute was submitted, and I have not received any investigation results from XXXX, XXXXXXXX XXXX XXXX All three credit bureaus have failed to remove this account, which is not mine, and have not followed the proper procedures required by federal law. 

This account is not Metro 2 compliant and does not meet the industry standards required to ensure maximum possible accuracy, as outlined in 15 U.S. Code 1681e ( b ). Furthermore, the bureaus failure to respond or complete the investigation within 30 days violates 15 U.S. Code 1681i, which mandates a timely reinvestigation of disputed information. 

All three credit bureaus are in violation of their obligation to maintain accurate consumer data and to follow reasonable procedures. Their inaction is causing ongoing damage to my credit profile. I am formally requesting the immediate deletion of these accounts from all three of my credit reports : CAINE & WEINER Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Below, I am including relevant legal references and documentation to support my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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:
Request for Blocking Fraudulent Data Under FCRA 605B Dear Sir or Madam, I am writing to report that I am a victim of identity theft. Several accounts and items appearing on my transunion credit report were opened or initiated fraudulently, without my knowledge or consent. These do not reflect any legitimate financial activity on my part and are the result of criminal misuse of my personal information. 

The following accounts are fraudulent and must be removed from my file : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Pursuant to Section 605B of the Fair Credit Reporting Act, I formally request that Transunion block all of the above-referenced items from my credit file within four business days. In addition, I ask that you promptly notify the furnishers of this fraudulent information and confirm this action in writing.

Enclosed Documents for Verification Purposes : A copy of my XXXX credit report with fraudulent entries clearly circled A copy of my Identity Theft Report filed with the FTC A copy of my government-issued ID and a recent utility bill as proof of identity and address A reference copy of FCRA 605B, outlining your obligations under federal law Please give this matter your urgent attention and send confirmation once these records have been blocked 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 2025-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX IT'S FRAUDULENT I HAVE NEVER HAD ACCOUNT SUCH THAT. I'VE SUBMITTED SEVERAL DISPUTES WITH CREDIT BERUES BUREAUS - XXXX AND EQUIFAX CAN NOT RESOLVE MY PROBLEM AND DELETE THAT ACCOUNT FROM MY REPORT. I'VE PROVIDED IDENTITY THEFT REPORT AND ALL OTHER DOCS THEY ASKED, BUT THEY DON'T WANT RESOLVE MY PROBLEM AND KEEP REPORT WRONG INFORMATION

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 2025-04-12 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: NC

Complaint narrative:
3 loans are showing up fraudulently on my credit report {$3100.00} {$2300.00} {$880.00} The age of the loans is over 17 years. They have been reported before and removed from my credit report. Somehow XXXX has added them back incorrectly, I have filed and contacted them directly to have them removed again with no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
On Fri, XX/XX/XXXX, XXXX PM, my PayPal account was permanently limited without any clear explanation. I am deeply frustrated and confused by this situation, as I have always operated my business in full compliance with XXXX policies. My business is legitimate, and the funds I hold in my account are earned through honest work. 

Despite my repeated efforts to resolve this, including contacting PayPal support via email and their chat service, I have received nothing but generic, copy-pasted responses stating that my account was limited due to " activity that poses a risk. '' These responses are vague and unhelpful, and I have not been given any specifics or a proper explanation for why my account was closed. 

I requested a clear explanation of the limitation and asked for a review by a U.S.-based support team, as the responses from random support teams have been unproductive and frustrating. But despite all of this, I have received no satisfactory answers, and my situation remains unresolved.

To make matters worse, PayPal has frozen my funds, which currently amount to {$1000.00}. These funds have been held for over XXXX days, causing significant financial strain. This is not just about moneythis is about my livelihood and the well-being of my business. I have tried everything I can to get my funds released, but the lack of transparency and clear communication is overwhelming. 

I am now reaching out to the Consumer Financial Protection Bureau ( CFPB ) for help. I need clarity on why my account was limited, and I desperately need the funds that are rightfully mine to be released. I am struggling financially because of this, and the emotional toll this situation is taking on me is immense. Please help me get the answers and the justice I deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: MI

Complaint narrative:
Companies Complained Against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing this complaint regarding inaccurate and incomplete information held on my consumer files by both XXXX XXXX XXXX and SageStream LLC. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I have sent ( and attached to this complaint ) a formal letter demanding the following : XXXX. Dispute of Entire File : I dispute the accuracy and completeness of all information contained in my consumer reports held by both XXXX and XXXX, including personal data, public records, accounts, inquiries, and sources. 
XXXX. Full Reinvestigation : I demand a thorough reinvestigation of every item within the FCRA-mandated 30-day timeframe. I do not consent to any extensions. If the investigation is not completed within 30 days, the information must be deleted.

3. Security Freeze : I demand XXXX XXXX place an immediate security freeze on my consumer file. 
XXXX. Freeze Confirmation : I require confirmation that the security freeze previously placed on my XXXX file ( Case # XXXX ) is active. 
XXXX. Full File Disclosure : I demand complete copies of my consumer reports ( full file disclosures ) from both companies. 

I am requesting the CFPB 's assistance in ensuring these companies comply fully and timely with their obligations under the FCRA regarding my dispute, investigation request, security freeze request, and file disclosure request. 

have enclosed a dispute letter and utility bill for verification. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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:
I am filing this complaint to formally object to XXXX  continued and improper use of my consumer credit information. I am demanding to opt out of XXXX  practice of reporting inaccurate, misleading, or derogatory information on my credit file.

Under 15 U.S.C. 6802 ( Obligations of Financial Institutions ) and 15 U.S.C. 6805 ( Enforcement ), I assert my right to financial privacy. These statutes clearly prohibit financial institutions from disclosing nonpublic personal information without providing clear opt-out notices and giving the consumer the opportunity to decline such disclosure. I have not received sufficient notice or opportunity to exercise that right in relation to XXXX  credit reporting practices.

In addition, XXXX  actions appear to violate 15 U.S.C. 1681b, which governs the permissible purposes of accessing and using consumer reports. Any continued access to or reporting of my personal credit information that is inaccurate, outdated, or obtained without proper purpose constitutes a breach of federal law.

I further invoke my rights under the Family Educational Rights and Privacy Act of 1974 ( FERPA ), 20 U.S.C. 1232g, and 34 C.F.R. Part 99, which strictly limit the disclosure of educational recordsincluding financial aid datawithout the students written consent. XXXX, as a student loan servicer handling Title IV funds, is subject to FERPA and is therefore obligated to maintain confidentiality of all student-related information unless explicitly authorized otherwise.

Additionally, pursuant to 16 C.F.R. Part 313, which governs privacy of consumer financial information under the Gramm-Leach-Bliley Act, XXXX  is bound by strict rules regarding the sharing and use of consumer data and must adhere to both initial and annual privacy notice requirements. Failure to comply with these obligations is a direct violation of federal law.

I also cite 5 U.S.C. 552a ( The Privacy Act of 1974 ), which provides me the right to request correction of records maintained by federal agencies and their agents when such records are incorrect or misleading. XXXX is either acting as or on behalf of a federal agency and must comply with this requirement. 

Furthermore, I demand that XXXX immediately cease any use of deceptive, misleading, or fraudulent language in any communication, filing, or reporting that pertains to my account under the authority of 17 C.F.R. 240.10b-5 and 17 C.F.R. 424, which govern disclosures and anti-fraud provisions under the Securities Exchange Act. Misrepresentation in the context of financial disclosures or reporting is not only unlawful, but subject to enforcement.

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