vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: AR

Complaint narrative:
I submitted formal disputes to all three major credit bureaus Experian, TransUnion, and Equifax, regarding inaccurate and unauthorized information appearing on my credit reports. With Experian, I disputed several incorrect addresses ( XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ), as well as an unauthorized and unverifiable collection account reported by XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX ). For TransUnion, I disputed the same inaccurate addresses and a closed account from XXXX ( Account Ending XXXX ), which incorrectly reports late payments despite a {$0.00} balance and being fully resolved. Reporting delinquency on a XXXX-balance, closed account is misleading and XXXX harm my creditworthiness in violation of FCRA accuracy and reinvestigation requirements. Regarding Equifax, I disputed an unauthorized inquiry from XXXX  XXXX  dated XX/XX/year>, which was made without my knowledge, consent, or any permissible purpose as required by FCRA XXXX ( a ) ( XXXX ) and XXXX. Despite providing detailed information and supporting documentation for each of these disputes, none of the bureaus have conducted a proper or timely reinvestigation within the required XXXX period, and the inaccurate information remains on my credit reports in violation of FCRA XXXX and related provisions. I am requesting the immediate deletion or correction of all disputed items, including removal of inaccurate addresses, the XXXX XXXX  collection, the incorrect XXXX  late payment notation, and the unauthorized XXXX  inquiry. I also request written confirmation of the reinvestigation results from each bureau, including the method of verification used, the documents reviewed, and the names of the furnishers or entities contacted during the reinvestigation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: IL

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$58.00} XXXX  XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXXXX/XX/XXXX EQUIFAX MORTGAGE SERVI XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: IL

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$58.00} XXXX  XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXXXX/XX/XXXX EQUIFAX MORTGAGE SERVI XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: IL

Complaint narrative:
This account is being inaccurately reported as a charge-off despite reflecting a {$0.00} balance. According to my records, the creditor issued a Form 1099-C Cancellation of Debt, acknowledging that the debt has been canceled. Under FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ), furnishers of information are prohibited from reporting information they know or should know is inaccurate. 

Continuing to report a charge-off on an account with no balance owed and a canceled debt is misleading and materially inaccurate. This negative remark is unfairly damaging my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to dispute your debt validation response. based on the information you have provided to the XXXX and Equifax you have charged this debt off for tax purposes. I am requesting the following documentation. 

XXXX. XXXX because the debt was charged off/written off XXXX. Full Breakdown of how the balance was calculated ( principal, interest and fees XXXX. Proof this debt was not securitized

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MO

Complaint narrative:
I had deposited {$460.00} to cashapp from my XXXX XXXXXXXX account on XX/XX/year> around XXXX. Hours later the money had vanished. I did not have any transfers about where the money went. Cashapp is telling me it was declined and sent back to my bank but then gave me conflicting information. XXXX told me the charge was canceled by my bank then sent back, my bank had no idea about this transaction besides the fact it was approved and sent to cashapp. On the transaction history in cashapp it shows my money was deposited for {$460.00} and its complete its showing there then gone hours later. Cashapp customer service then tells me its from a dispute from a different card different bank and the funds will be returned as the funds never went into my cashapp account. Mind you this is XXXX different people at this point. Now XXXX person tells me the money was sent back but sent back where. I have contacted both banks and they have said they would have no reason to take money back from cashapp. They have told me cashapp has held my money and will not release it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: FL

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX  XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Original Creditor : XXXX  XXXX, XXXX. XXXX Balance : {$2400.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-09-18 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: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2025, Chase abruptly restricted and closed my business accounts ( ending XXXX, XXXX, XXXX ) and placed holds on deposited funds totaling {$17000.00}, {$55.00}, and {$45.00}. 

I repeatedly requested a written explanation and specific requirements for release of these funds. In its official letter ( XXXX XXXX, XX/XX/2025 ), Chase explicitly stated it was not obligated to explain the reasons for closing the accounts and provided no clear criteria for removing the hold. 

Chase then demanded verified phone numbers of the issuers of XXXX checks ( {$11000.00} ; {$6000.00} ; {$1200.00} ). I provided the numbers. XXXX check was verified, XXXX were rejected without any clear explanation of what evidence would be acceptable. As a XXXX, I only have my clients contact numbers ; I can not reasonably be expected to conduct investigations into Chases internal verification systems. 

Instead of directly contacting the issuers or providing a clear, documented process, Chase shifted the burden entirely onto me, withholding my business funds indefinitely. Since XX/XX/XXXX, my company has been deprived of operating capital, forced to use personal resources, and exposed to severe reputational and contractual risk. 

Chase also blocked access to my business debit and credit cards, damaging both my business and personal credit standing. 

Due to the ongoing harm, I filed a police report with the XXXX Police Department ( XXXX XXXX. XXXX ). Chase has issued formal responses but has failed to resolve the issue, effectively withholding my money without adequate or verifiable grounds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing this formal complaint against the XXXX major credit bureaus for repeated violations of the Fair Credit Reporting Act ( FCRA ). Despite XXXX written disputes and providing extensive documentation, including a signed identity theft affidavit, police report, government-issued identification, Social Security XXXX XXXX and proof of residence, the bureaus have failed to remove fraudulent inquiries and inaccurate personal information from my credit reports. 

The credit bureaus refusal to comply with their obligations under XXXX XXXX. XXXX, XXXX ( f ), and XXXX ( a ) ( XXXX ) constitutes willful noncompliance. Their continued inaction has harmed my creditworthiness and caused unnecessary distress. 

Violations : Failure to Block Identity Theft-Related Items Multiple inquiries were the result of identity theft, yet the bureaus failed to block or delete them as required by XXXX XXXX XXXXXXXX. 

Failure to Maintain XXXX XXXX XXXX addresses and employer information remain on my credit file despite multiple disputes, violating XXXX XXXX. XXXX. 

Failure to Provide Proper XXXX XXXX bureaus have not provided the required method of verification or supporting documentation despite repeated requests. 

Disputed Items : Fraudulent Inquiries ( Identity Theft ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/year>, my husband and I purchased a Brand New XXXX XXXX from XXXX XXXX. We also signed XXXX contracts with regional acceptance corporations regarding a loan on our XXXX XXXX. As a XXXX family who just moved states and faced hardship, regional acceptance decided XXXX weeks into us being into the car to breach our contract stating my husband RETIRMENT AND XXXX INCOME FROM THE XXXX  that he worked hard for isn't good enough. Not only that, they senior regional director XXXX XXXX approved the deal and loan TWICE that we signed. So now me and my husband are left in a new state with no reliable transportation and stuck going back and forth over something that was already done and finalized TWICE. As a XXXX family, we feel highly disrespected, let down, and manipulated. An agent also called trying to get my husband to fabricate into lies to cover up their mess up on the deal. We agreed upon the agree contract terms from the first XXXX approvals.

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 2025-09-18 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/year> - Balance {$230.00}

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 explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The debt was removed off my experience and XXXX, but it stuck on my Trans Union XXXX XXXX for XXXX I assert that I have not provided proof of the alleged debt under the doctrine of estoppel by silence, as referenced in XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX. In the absence of documentation verifying the debt, despite my request for such proof, I presume no valid debt exists. Furthermore, as the information in question results from alleged identity theft, I request its removal from my consumer file, pursuant to 15 U.S.C. 1681c2, within XXXX business days of receipt of this notice. 



I demand the immediate deletion of the following unauthorized accounts from my consumer report, as required under 15 U.S.C. 1681c2, within XXXX business days of receipt of this notice XXXX XXXX XXXX 15 U.S.C. 1681c2, a consumer reporting agency must block any information in a consumers file that the consumer identifies as resulting from alleged identity theft within XXXX business days of receiving the consumers request.

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 2025-09-18 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: FL

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 explanation