vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: PA

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 " reasonable 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 purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information 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 non-monetary relief
Consumer complaint received 2025-05-06 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: IN

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items 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 2025-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: MI

Complaint narrative:
I have attempted to have my repayment plan recertified several times, the last time being in XXXX 2024 where I requested to be released from the SAVE forbearance and placed into an income driven repayment plan. I applied two separate times and I continue to not have an update on my account. The forbearance isnt going towards my forgiveness and I wanted to receive a reasonable payment prior to Trump taking office but it hasnt happened and it continues to be delayed. Sometimes when I try to login they can not recover my account, their employees can not answer any questions and I feel as thought they are mismanaging my loans. I have filed a complaint before and nothing was done. They messed up my auto pay and I waited on hold for over 3 hours and they still werent able to correct the issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I had transactions on my account that was unauthorized as I have mention to the police that my items have been stolen out of my vehicle I explained this to the bank as well but they denied looking further into this situation. I filed a claim on XX/XX/XXXX in the amount of {$1000.00} and another claim recently filed on XX/XX/XXXX amount of {$1500.00} I dont know how my bank would even allow something like this to happen. I have been calling and calling but all they can tell me that its denied when I honestly feel like they should look futher into this situation! My account is in the negative because of this when I stated before I wasnt the one to make these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: CT

Complaint narrative:
NameXXXX XXXX XXXX XXXX XXXX XXXX Connecticut XXXX XXXX XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Re-Reported Collection Account Request for Immediate Removal To Whom It May Concern, I am writing to dispute a collection account that has been re-added to my Equifax credit report without proper validation. The account in question is listed under the name XXXX XXXX XXXX, with Account Number XXXX. 

This account was previously removed from my credit file. However, it has since been reinserted without notice or validation, which is a violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA Section 611 ( a ) ( 5 ) ( B ), if an item is reinserted into a credit report after deletion, the consumer must be notified in writing within 5 business days. I received no such notification.

In addition, the furnisher ( XXXX XXXX XXXX ) responded to my complaint with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>, stating that they would provide verification of the debt by mail. As of today, I have not received any verification.

1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor Because this account has not been validated and was reinserted improperly, I respectfully request that Equifax : Remove the collection account from my credit report immediately.

Provide documentation showing that XXXX XXXX XXXX properly verified the account before it was reinserted.

Confirm that Equifax followed FCRA notification requirements.

Attached are : A copy of my original complaint to the CFPB.

The companys response stating verification would be mailed Please conduct a reinvestigation and remove the account until it is validated according to federal law. I appreciate your prompt attention to this matter. 

Original form complaint ID : XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I woke up on XXXX XXXX, 2025, to a notification that my IRS tax refund ( {$3300.00} ) had hit my Cash App account. When I went to view it, I saw that the deposit had already been reversed and returned to the originator without my consent. I immediately contacted Cash App support to understand what happened. 

They told me it was for my protection, but could not provide any valid reason. Then they proceeded to send my full name and Social Security Number over the chat saying it was the information of the person in question not realizing I was that person. This is a clear breach of privacy and security. 

It doesnt make sense that they could reveal that information to me without verification, yet refuse to tell me anything else about why my money was taken. I tried uploading my ID and a selfie for verification and still received no help. 

Ive had previous refund issues with Cash App and they never helped, so I find it suspicious that now they suddenly claim to care all while holding my money and causing me more hardship. This delay, stress, and lack of help are creating serious problems for me, especially since I already waited long enough for the IRS refund. 

I believe I should be compensated {$3300.00} per day for each day my funds are held without cause, plus {$25000.00} in damages for undue stress, privacy violation, and financial injury. 

I request immediate release of my refund and full accountability for this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: RI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XXXX XXXX XXXX XXXX XXXXXXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-06 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: AL

Complaint narrative:
My identity was stolen and fraudulent accounts were opened. Please remove within 4 business days.

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 2025-05-06 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: AZ

Complaint narrative:
Credit Reporting Agencies not reporting 100 % on my personal information they have incorrect information. Bankruptcy is also reporting to my credit report even though 11 U.S.C. 107 ; XXXX. XXXX XXXX. XXXX XXXX, XXXX. The bankruptcy court does not report or provide information to any consumer reporting agencies.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Park Hill Holdings
State: OK

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally request a copy of my tenant report for my personal records. For the purpose of verifying my identity, I have included copies of relevant identification documents along with this request. 

Please feel free to send the report to me either via email or by regular mailwhichever is more convenient.

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 2025-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I am not liable for this debt with Medical Data Systems, I do not have a contract with XXXX XXXX, they did not provide me with the original as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
I applied for business credit from XXXX XXXX, which was matched to me from SBA.gov, and was denied stating that my credit score did not meet the criteria. It listed Experian as the consumer credit agency that reported my credit score was XXXX. I immediately went to Experian to verify this because my credit score is above XXXX. The report showed my credit score as XXXX. So, either XXXX XXXX  is attempting to deny funding by making up a bogus reason that my credit did not meet criteria, or Experian supplied XXXX XXXX  with incorrect information. I can accept being denied but by what is this " criteria '' as it was not listed. My complaint is either I am being discriminated against or incorrect information is being disseminated which has impacted my ability to get funding.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
They have locked my credit profile when I sent in a dispute for personal information and continue to use the excuse I need to send in new docs to unlock it. I have sent all docs spoke to 4 agents and they refuse to unlock my report. I have been denied credit denied a place to live and they won't do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I opened an account with XXXX Bank on XX/XX/XXXX with a special promotion to receive {$250.00} with a new account opening, remaining open for 90 days. On XX/XX/XXXX the {$250.00} was deposited to my account after several calls to XXXX Bank. Today I opened an account with another bank and they advised me of a reporting by XXXX Bank for " Account Abuse ''. I have made several calls to ChexSystems  to resolve the issue and they can't find the information on the report. On XX/XX/XXXX around XXXX XXXX  PTD I was speaking with XXXX and requested a supervisor and supervisor XXXX placed me on hold, while on hold the call was disconnected and they did not call back.

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 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX XXXX  XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX Subject : Chase XXXX XXXX XXXX XXXX to Wrong Address Then Blamed Me for XXXX Dear Consumer Financial Protection Bureau, I'm writing to ask for your help with a serious problem involving JPMorgan Chase Bank. They made multiple mistakes with my credit card, and now they are blaming me for fraud that wasnt my fault. 

What happened : In XX/XX/XXXX, I requested new credit cards for myself and my wife. Chase already had my correct mailing address on file XXXX XXXX XXXX, XXXX, XXXX  XXXX. 

Chase sent the cards to an old address in XXXX XXXX, XXXX  a place I haven't lived in for years. I never asked them to use that address. 

The cards arrived pre-activated, meaning anyone who received them could start using them immediately and someone did. Over {$3200.00} in charges were made before I ever had the card in my hand. 

After 7 days with no card, I called Chase United, and a representative told me the cards would be resent to my mailing address. But the original cards were not canceled, and new cards were issued with the same numbers. Again these also came pre-activated. 

Chase is now claiming that my wife made the charges, because she was the authorized user. That is not true my wife was physically with me the entire time and never had access to the card. 

Chase also claims I didnt report the fraud until XX/XX/XXXX. Thats false. I tried calling much earlier, but my calls were either ignored or not handled properly by offshore representatives who didnt log anything. 

Why this matters : Chase sent active cards to the wrong address They never canceled the compromised cards They reissued cards with the same numbers And now they want me to pay for charges I didnt make This is not fair, and their own security procedures failed. I am now being held responsible for something I didnt do. 


Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation