vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: NC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: NV

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX assured said, once you successfully satisfied the settlement the account will be removed from your credit report in XX/XX/scrub>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 2025-05-22 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX assured said, once you successfully satisfied the settlement the account will be removed from your credit report in XX/XX/scrub>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
My rights have been violated. The XXXX credit bureaus are all guilty of violating the XXXX law in America. They are all guilty of adding in correct information to my report that benefitted their companies financially and has harmed me financially. XXXX  days is NOT XXXX plus days! This is not XXXX there are no free Passes. 

Be advised I am forthwith filing lawsuits on all XXXX bureaus, and they can all pay attorneys thousands of dollars when I depose their CEOs in the civil court process. The subpoenas are coming Off to court we go!

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 2025-05-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My rights have been violated. The XXXX credit bureaus are all guilty of violating the XXXX law in America. They are all guilty of adding in correct information to my report that benefitted their companies financially and has harmed me financially. XXXX  days is NOT XXXX plus days! This is not XXXX there are no free Passes. 

Be advised I am forthwith filing lawsuits on all XXXX bureaus, and they can all pay attorneys thousands of dollars when I depose their CEOs in the civil court process. The subpoenas are coming Off to court we go!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERISAVE MORTGAGE CORPORATION
State: MA

Complaint narrative:
I noticed an unauthorized credit inquiry from AmeriSave on my credit report. During my call with them on XX/XX/2025, I asked multiple times if my credit would be pulled, and they clearly stated no each time. I did not give consent for a credit check. Despite this, a credit inquiry still appeared on my report.

This is misleading and concerning, and I believe it violates fair lending and consumer protection practices. I am requesting a full explanation from AmeriSave and that they take action to remove this inquiry from all credit bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
Debt Collection Information LVNV FUNDING LLC CARE OF RESURGENT CAPITAL SERVICES L.P XXXX XXXX XXXX XXXX, SC XXXX Three Account Totals : {$5100.00} On XX/XX/year> A certify letter was send to this name above company requesting a total debt validation. They fail to establish any contract that I signed with them. They are reporting this negative info on my credit report. I don't know this business nor signed any contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: OH

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Someone tried to open a personal loan with my information. I have reported this to the bank, police, identity theft. Gov but it shows up as a hard inquiry on my credit report. I am a victim of identity theft and have lost quite a bit of money. The loan was denied but the online application is still showing.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
Someone tried to open a personal loan with my information. I have reported this to the bank, police, identity theft. Gov but it shows up as a hard inquiry on my credit report. I am a victim of identity theft and have lost quite a bit of money. The loan was denied but the online application is still showing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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 non-monetary relief
Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 2025-05-22 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX IN XXXX XXXX : {$52.00} Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} Account # XXXXXXXX XXXX XXXX  Balance : {$0.00} Account # XXXXXXXX XXXX  Balance : {$0.00} Account # XXXXXXXX XXXX XXXX XXXX Balance : {$300.00} Account # XXXXXXXX XXXX XXXX XXXX Balance : {$410.00} Account # XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} Account # XXXX XXXX XXXXXXXX XXXX Balance : {$630.00} Account # XXXXXXXX XXXX XXXX Balance : {$0.00} Account # XXXXXXXX XXXX XXXX Balance : {$0.00} Account # XXXX XXXX XXXX Balance : {$0.00} Account # XXXX XXXX XXXX XXXX XXXX : {$210.00} Account # XXXXXXXX XXXX XXXX XXXX Balance : {$12000.00} Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
Hello this complaint is for ChexSystems, My name is XXXX XXXX XXXX, I'm writing to formally dispute certain information listed on my consumer report. I believe some of the data reported may be inaccurate or unverifiable, and I'd like to request a review under my rights provided by the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the following item : Suspected Fraud Activity Date of Closure : XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX Closure Status : No Monetary Loss Closure Date : XX/XX/year> I did not consent to this with any signature or action and i am punished for this wring doing i am innocent. Please help as i need this account removed

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-05-22 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: FL

Complaint narrative:
I am a business owner using Square to process payments. A client rented a vehicle from my company on XX/XX/year>, and paid for part of the rental via Square on XX/XX/XXXX. That payment was later reversed as a chargeback for {$4700.00} The transaction was fraudulent. The renter used a payment method that was likely not authorized. After making the payment, he caused a hit-and-run accident with the vehicle and disappeared. I discovered that he is now named in a federal criminal case ( XXXX  Case # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). He never responded after the incident, and I was left with significant financial damage. 

I submitted a police report to the XXXX Police Department ( Case # : XXXX ) and obtained a crash report from the XXXX XXXX XXXX ( XXXX  # : XXXX ), showing the same individual signed the incident paperwork.

Square refused to reopen the dispute, even after I provided this new, material evidence. I also submitted the documentation to their law enforcement team, but have received no resolution. This situation involves clear merchant fraud, and Im requesting Square be required to reevaluate this case in light of the submitted evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: Aldous & Associates, PLLC
State: GA

Complaint narrative:
XXXX Aldous & Associates Subject : Formal Demand for Immediate Removal of Invalid Debt Reporting To Whom It May Concern, This letter serves as a formal dispute and final demand for the immediate removal of the alleged debt you are attempting to collect and/or report, which I have already disputed. 

You recently responded by providing what you claim is the original agreement. However, the mere existence of an old agreement does not establish a current, enforceable obligation. This debt is no longer valid or legally enforceable, and your continued attempts to collect or report it are a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Let me be explicitly clear : I do not owe this debt, and I dispute any and all claims of liability. 
You have no legal grounds to continue collection or furnish information to any credit reporting agency. 
Providing an outdated agreement does not satisfy full debt validation as required under 15 U.S.C. 1692g and 12 CFR 1006.34.

If you are unable to produce proof of an active obligation, along with a clear chain of title and legal enforceability, you are required to cease all collection activity and remove all references from credit reporting agencies immediately. 

I am placing your company on notice that any further attempt to collect on this invalid debt, or any continued reporting to consumer credit bureaus, will result in immediate legal action. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX Attorney Generals Office, and I will pursue all available remedies under state and federal law.

Demand for Immediate Action : 1. Cease and desist all collection activity relating to this invalid debt.

2. Delete all negative tradelines and references to this debt from any credit bureau to which it has been reported.

3. Provide written confirmation within 10 business days that this account has been closed, all data has been removed from credit reporting agencies, and no further collection efforts will occur. 

Failure to comply will result in escalation and legal recourse. This is your final opportunity to resolve this matter before formal action is taken. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: DE

Complaint narrative:
I am disputing a charge-off account from [ Name of Creditor ] that is still being reported on my credit file. According to XXXX  law ( XXXX XXXX XXXX XXXX  ( a ) ), the statute of limitations for collection of a written debt is XXXX  years from the date of default or last activity. My records show no activity or payments since [ insert month/year ]. Therefore, this account is time-barred and should not be reported or collected.

Additionally, under the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681i ), credit information must be accurate and verifiable. If the furnisher can not provide documentation of the accounts last payment and legal enforceability, the reporting should be deleted. I request this account be removed or corrected immediately

Company response to consumer: Closed with explanation