vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am formally requesting a fair and accurate resolution to my dispute regarding the personal information listed in my credit report. 
In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, and Section 609 ( c ) ( 2 ) ( E ), I have the right to dispute and request the removal of any outdated, inaccurate, or unverifiable personal identifying information from my credit file. 
Please conduct the required investigation and provide written confirmation of the results and any removals within the time period outlined under FCRA ( generally 30 days from receipt of this dispute ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Herbert P. Sears Co., Inc.
State: TX

Complaint narrative:
Identity Theft and Data Breach Complaint Request for Immediate Investigation and Correction Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding identity theft and a potential data breach that has negatively impacted my credit and financial standing. My name is XXXX XXXX XXXX, and I recently discovered several accounts and inquiries on my credit reports with XXXX, XXXX, and XXXX  that I did not authorize or open. 



After reviewing my 3-Bureau Credit Report from XXXX  dated XX/XX/XXXX, I identified multiple suspicious entries and inquiries, including accounts with XXXX  ( The XXXX XXXX  ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and numerous recent auto finance inquiries between XX/XX/XXXXXXXX  and XX/XX/XXXX. I have no knowledge or connection to these companies or accounts. 



These unauthorized accounts and inquiries are the result of identity theft, which I believe occurred following a data breach involving my personal information. I have already taken preliminary steps to protect my identity, including filing disputes with the credit bureaus, contacting creditors, and monitoring my credit activity. 



However, despite these efforts, the fraudulent information remains on my credit reports and continues to cause harm to my creditworthiness and personal reputation. 



I am requesting that the CFPB investigate this matter, ensure that all fraudulent information is removed from my credit reports, and take appropriate action against any entities that may have failed to protect my personal data or improperly reported information.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: LOBEL FINANCIAL CORPORATION
State: TX

Complaint narrative:
Identity Theft and Data Breach Complaint Request for Immediate Investigation and Correction Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding identity theft and a potential data breach that has negatively impacted my credit and financial standing. My name is XXXX XXXX XXXX, and I recently discovered several accounts and inquiries on my credit reports with XXXX, XXXX, and XXXX  that I did not authorize or open. 



After reviewing my 3-Bureau Credit Report from XXXX  dated XX/XX/XXXX, I identified multiple suspicious entries and inquiries, including accounts with XXXX  ( XXXX  XXXX XXXX  ), XXXX XXXX XXXX XXXX  XXXX XXXX ) , and numerous recent auto finance inquiries between XX/XX/XXXX and XX/XX/XXXX. I have no knowledge or connection to these companies or accounts. 



These unauthorized accounts and inquiries are the result of identity theft, which I believe occurred following a data breach involving my personal information. I have already taken preliminary steps to protect my identity, including filing disputes with the credit bureaus, contacting creditors, and monitoring my credit activity. 



However, despite these efforts, the fraudulent information remains on my credit reports and continues to cause harm to my creditworthiness and personal reputation. 



I am requesting that the CFPB investigate this matter, ensure that all fraudulent information is removed from my credit reports, and take appropriate action against any entities that may have failed to protect my personal data or improperly reported information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: AZ

Complaint narrative:
Some time in the middle of XXXX this year, my account was randomly suspended. I havent gotten any idea as to why its been suspended. Ive been reaching out to cash-apps support team but they have always given me the same message, The specialty team will reach out to me. Ive called them almost 6 times now. They guaranteed that they will reach out to me within 30 days, yet no response. I call them again in XXXX after well over 30 days go by, then they said ill get a email by the XXXX of XXXX. Again no email. I call them again the next day, and then they said that I cant do anything further and will just have to wait. Im so frustrated with this experience. I want to transfer my money out and I just cant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: MI

Complaint narrative:
I am trying to unfreeze an old credit freeze. I quickly accomplished this at XXXX  and XXXX. However, I do not have enough information to find my old account at Experian. I have tried multiple approaches for hours with Experian. I am unable to reach a representative to assist me. If I can't unlock my credit I can't get pre-approved for a mortgage and won't be able to buy a house. 
I can see from many comments on line many people are also unable to contact them to solve similar problems. I am disgusted with the company and really need assistance. 

Thank you for your help.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-11 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:
This XXXX XXXX account is being reported inaccurately and must be removed. The bureaus are reporting inconsistent, conflicting, and unverifiable data. 

Issues include : Reporting Charge-Off every single month ( only allowed once ) Inconsistent dates : last payment, balance update, and DOFD do not match DOFD does not align with payment history Duplicate derogatory reporting Account shows prior disputes marked as resolved without validation Under the FCRA 602A and 623 ( a ) ( 1 ) ( A ), information must be accurate and verifiable. Because the data is inconsistent and unverifiable, I am requesting the account be deleted from my credit report. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
Under USC 1681g, I demand deletion of accounts not associated with me within fifteen days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: AL

Complaint narrative:
I am writing to formally dispute inaccurate information regarding certain accounts that have been reported to the credit bureaus. Below are the accounts I believe to be incorrect, and I am requesting your assistance in investigating and correcting them. 
Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year>

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 2025-11-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I mailed a certified FCRA dispute letter to Equifax ( Tracking # XXXX ). The letter disputed inaccurate charge-offs and collections and requested verification under FCRA 1681i and 1681s-2. USPS tracking shows delivery was attempted XX/XX/year>, and a Reminder to pick up your item notice was issued at the XXXX, GA XXXX Post Office. As of today, the item remains unclaimed. 

By failing to retrieve certified mail for over two weeks, Equifax has effectively delayed and obstructed the reinvestigation process required by the Fair Credit Reporting Act. The 30-day investigation clock begins upon receipt, and this conduct appears intended to delay or avoid compliance. 

I am attaching the USPS tracking evidence and my dispute letter. Similar certified disputes sent to XXXX  and XXXX  were accepted promptly. Equifaxs refusal to collect its mail constitutes willful non-compliance and bad-faith handling of consumer disputes. 

I request that the CFPB direct Equifax to : Retrieve the certified dispute immediately. 

Recognize XX/XX/year>, as the official receipt date. 

Complete the reinvestigation within 30 days and delete any unverifiable charge-offs or collections. 

Confirm all corrective actions in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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 am filing this complaint because my credit report with Experian continues to contain an unauthorized hard inquiry and inaccurate personal information, despite multiple disputes previously submitted. This is now my third formal dispute, and the information remains unresolved. 

I did not authorize, approve, or initiate the hard inquiry listed below. I have already provided my identification, Social Security number, and proof of current address in prior disputes, yet this unauthorized inquiry has not been removed as required by law. 

Unauthorized Inquiry : XXXX XXXX XX/XX/year>XXXX  In addition to the unauthorized inquiry, my credit report still reflects inaccurate personal information, including name variations and outdated or invalid addresses that do not belong to me. 

My only legal name is XXXX XXXX, as it appears on my Social Security documentation. Any other name variation listed on my credit report is inaccurate and must be immediately removed. 

My only correct and current address is : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Any other address listed on my credit file is inaccurate, no longer associated with me, and must be permanently deleted. 

Under the Fair Credit Reporting Act : 15 U.S.C. 1681b prohibits credit reporting agencies from furnishing a credit report unless there is a permissible purpose initiated by the consumer. The creditor responsible for the inquiry listed above has no record of my authorization, no signed agreement, and no permissible purpose. 

15 U.S.C. 1681e ( b ) requires Experian to ensure maximum possible accuracy of all information reported. 

15 U.S.C. 1681i ( a ) ( 5 ) requires deletion of any unverifiable or inaccurate information.

This is my third request, and all inaccurate personal information and the unauthorized inquiry must be corrected or permanently removed immediately as required by 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 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Good day, I cant express how upsetting and exhausting this situation has become. I discovered not one, but two collection accounts on my credit report that are completely unverified and do not belong to me. Ive been subjected to repeated harassment from different communication channels and even threats of legal action. As a law-abiding citizen, this experience has been extremely degrading and distressing. These false debts have caused me immense stress and sleepless nights, seriously affecting my peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Subject : Request for Verification of Loan Status and Eligibility for Account Adjustment Forgiveness To Whom It May Concern, I am writing to request verification of the current ownership and status of my FFELP Consolidation Loan, which is listed on my Federal Student Aid account with a total balance of approximately {$31000.00}.

Please confirm the following in writing : 1. Whether this FFELP Consolidation Loan is federally held by the U.S. Department of Education or privately held by a guaranty agency.

2. The current repayment status ( forbearance, deferment, or repayment ) and the reason for the long-term deferment notation on my credit report ( payments deferred until XXXX  ). 
3. Whether my loan qualifies for review or forgiveness under the Income-Driven Repayment ( IDR ) Account Adjustment, SAVE Plan, or any other federal relief program currently administered by the U.S. Department of Education .

4. If the loan does not qualify, please explain what steps I must take ( e.g., reconsolidation into a Direct Loan ) to become eligible for these programs. 

This information is necessary to ensure my loan is being reported accurately to the credit bureaus and to confirm my eligibility for any applicable federal forgiveness programs. 

Please provide a written response to the address or email associated with my account. 

Thank you for your attention to this matter.

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 2025-11-11 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/, I sent an instant transfer of {$46.00} to my XXXX XXXX  account ( card ending XXXX ). The next day, XX/XX/XXXX, I sent another instant transfer of {$25.00}. 

When I tried to use my debit card on XX/XX/XXXX, it was declined. I immediately contacted XXXX and was told that my account had been closed on XX/XX/XXXX because it had been negative for some timesomething I was never informed about. Because of this closure, both transfers were refused and were supposed to be returned to my Chime account. 

I contacted Chime right away. They said there was a five-day waiting period before the funds would be returned. After five days, the money still hadnt shown up, so I filed a dispute with Chime. I also asked them to provide the ACH trace number and XXXX return code to prove that XXXX received and returned the funds. They have not provided this information. 

Within four days of filing the dispute, Chime denied it without contacting me or asking for any documentation. I received an email stating no error was found. I called again, very upset, and they filed a second dispute for the same issue. I offered to provide any proof necessary, and I confirmed with XXXX that they can verify the situation by phone. 

Chime has told me I must wait 10 business days ( from the second dispute date ) to even possibly receive a provisional credit, and that their investigation could take up to 90 days. Ive now been waiting far longer than what Regulation E allows for access to disputed funds. 

This entire process has been stressful and disrespectful. Ive been a loyal customer for years and feel Im being treated as if Im dishonest. I simply want the {$71.00} that was removed from my account and never returned. I would like a clear explanation of where my money is, why I was denied provisional credit, and an immediate resolution of this issue.

Company response to consumer: Closed with explanation