vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/year>, I came across a popular electronic store on XXXX by the name XXXX offering cheap used electronics ( which I soon found out was a fake store pretending to be an already existing store ). I wanted to buy something, but first, I checked the store 's reviews and comments, which seemed legit for the most part. I messaged someone about the prices and products they were selling, and I had my eye on an XXXX for {$220.00} with XXXX of storage. After a brief conversation about the product, I decided to proceed and asked for the payment method, which turned out to be Cash App. Once I paid, the seller said he would pack the XXXX and send it through XXXX, then provide me with the tracking number. After a few days, he finally sent me the tracking number, which was a relief since it took him a while to ship my package. Over the next few days, I tracked the package as it traveled across states, and eventually, I received a notification that it had been delivered. So, I went outside to get my package where it was raining, but it wasnt there. I figured it might have been delivered to the wrong address, so I checked my neighbors yard and mail, but it wasnt there either. I decided to wait a couple of hours, thinking they might have marked it as delivered and planned to drop it off later due to the heavy rain since they dont deliver during such weather, but it never arrived. so, I contacted XXXX to explain my package situation. I provided them with my information so they could look it up, but they told me there was no package under my name being delivered, which left me both confused and shocked. I texted the man I bought the XXXX from and explained the situation. He said he would call and check what the problem was, but I didnt get good feedback since he mentioned there was nothing he could do. So, I reported the incident to XXXX and decided to wait until I received some feedback from them. I never received any feedback from UPS, so I informed the seller and requested a refund since my item never arrived. Thats when his entire demeanor suddenly changed. He claimed I was lying about them not being able to deliver during rainy hours ( which I weren't ) and started calling me names and he told me he was just going to cancel my order and take my money which led to a back-and-forth conversation between me and him. I reported him to Cash App during this time, but they essentially did nothing about it, basically saying " Oh well '' and leaving me to handle it on my own. This man kept threatening me, saying he would send people to my home and swat me if I reported the incident to the police. I was so scared, and still am, that I ended up waiting an entire year before finally reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: MO

Complaint narrative:
I am submitting this complaint to report multiple fraudulent accounts that have appeared on my credit reports without my knowledge or authorization. I recently obtained my credit reports for the first time in several years while preparing to purchase a vehicle. Upon review, I discovered several accounts that I did not open or authorize. These accounts appear to have been created as a result of identity theft.

I have already filed an official identity theft report with the Federal Trade Commission ( FTC ) and have notified local law enforcement. Despite these efforts, the fraudulent accounts remain on my credit reports and are negatively impacting my credit standing.

The following accounts are fraudulent and should be immediately blocked or deleted under the Fair Credit Reporting Act ( FCRA ) 605B [ 15 U.S.C. 1681c-2 ], which requires credit reporting agencies to remove information resulting from identity theft upon proper notice : XXXX. XXXX XXXX XXXX Reported by TransUnion, Experian, and XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$840.00} Original Creditor : XXXX XXXX XXXX XXXX 
XXXX. XXXX XXXX XXXX ( XXXX or XXXX ) Reported by Experian and TransUnion Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$470.00} Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported by TransUnion, Experian, and XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ( Charged off and sold ) XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) Reported by TransUnion, Experian, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported by TransUnion XXXX Experian XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} Each of these accounts was opened and reported without my authorization. I have never applied for, received, or used any of these credit accounts. I am requesting that the CFPB investigate and take immediate action to ensure these fraudulent accounts are blocked and deleted from all consumer reporting agencies as required by the FCRA.

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 2025-10-18 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: CO

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 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 2025-10-18 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: CO

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 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 2025-10-18 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: NC

Complaint narrative:
XXXX, has recently shut down. My credit is impacted by this closure due to reporting my account as negative however this account has been paid in full

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 2025-10-18 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: TX

Complaint narrative:
I am writing to formally dispute certain inaccurate information that appears on my credit report. I recently obtained a copy of my credit report and discovered entries that are incorrect and do not belong to me. These inaccuracies have negatively impacted my credit score and have hindered my ability to secure financing for a home.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute information I believe to be inaccurate or incomplete. I am requesting that your agency conduct a reasonable reinvestigation of the following items and remove them from my credit report if they can not be verified : Please see attached documents for accounts. 
These entries are not only inaccurate but also constitute a defamation of my character and have caused me financial and emotional distress.

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 2025-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sparrow Financial, Inc.
State: GA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1000.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. 
I have been calling and reaching out to the company to get this resolved with no actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau against multiple furnishers and credit reporting agencies for reporting false, inaccurate, and unverifiable information on my credit file, in direct violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. The ongoing misreporting of these items has caused significant harm to my creditworthiness, emotional distress, and loss of financial opportunities.

My credit report lists several addresses that are not associated with me, including XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX I have never lived at these addresses, and their inclusion on my credit report is entirely erroneous. Under FCRA 1681i ( a ), these inaccuracies must be investigated and corrected immediately. 
I C SYSTEM, account XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$140.00}, is incorrectly listed as a collection. I have no knowledge of this account, nor did I ever authorize it. Reporting this as a collection without proper verification is a direct violation of FCRA 1681i and 1681s-2.

several inquiries appear on my credit report that I did not authorize, including but not limited to FIRST XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Unauthorized inquiries are considered violations under FCRA 1681b and must be investigated and removed promptly.

I am requesting that the Consumer Financial Protection Bureau investigate these ongoing violations and compel the involved furnishers and credit bureaus to immediately delete all unverifiable and inaccurate information from my credit file. I have already contacted the bureaus regarding these matters, but they have failed to take corrective action or provide valid proof verifying the legitimacy of these accounts and addresses. 
I demand full enforcement of my consumer rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I expect prompt investigation, verification, and removal of all erroneous and unverified entries, along with written confirmation of corrective actions taken by the concerned parties. Continued negligence in this matter will justify further legal escalation and damages claims for willful noncompliance under FCRA 1681n and negligent noncompliance under 1681o.

I respectfully request the CFPB to ensure that all parties responsible for these inaccurate reports are held accountable for their violations of federal law and that my credit report is restored to an accurate and fair standing immediately.

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 2025-10-18 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.

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: MicroBilt / PRBC (formerly CL Verify)
State: AL

Complaint narrative:
I am filing this complaint because I am a victim of identity theft. Several fraudulent accounts and unauthorized inquiries have been reported on my TransUnion credit file by individuals using my stolen information. 

I have submitted a police report with the XXXX Police Department ( XXXX XXXX. XXXX ) confirming this crime. I have also mailed XXXX a formal written dispute with supporting documentation, requesting deletion of fraudulent charged-off accounts and removal of unauthorized inquiries. 

Despite my compliance with FCRA 605B and 611, these items have not yet been deleted, and the continued reporting of this false information has caused substantial harm to my credit reputation and financial opportunities.

I am asking the CFPB to compel XXXX to : Block and delete all fraudulent accounts and inquiries.

Provide written confirmation of the completed investigation.

Ensure that no adverse data linked to the identity theft remains in my file.

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 2025-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: AL

Complaint narrative:
They closed my credit builder account due to a missed payment that I didnt know about and its showing up on my credit report and they wont allow me to pay it or even re open the account. I was sick and my sister is on hospice so money problems changed but I didnt even get a notification that I needed to pay so there for I wasnt purposely trying not to pay I am a chime + member and would hate to take my services else where

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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 am sending to formally dispute inaccurate information that appears on my credit report. After reviewing my file, I noticed discrepancies that do not accurately reflect my financial history and may be misleading. Under FCRA 1681i ( a ), I have the right to dispute and request a full reinvestigation of any information I believe to be incorrect or incomplete. I respectfully request that this matter be thoroughly reviewed and corrected to ensure the accuracy and fairness of my credit report.DEPTEDXXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1900.00} DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3200.00}

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 2025-10-18 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: NY

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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 am writing to formally dispute inaccurate information that appears on my credit report. After reviewing my file, I noticed discrepancies that do not accurately reflect my financial history and may be misleading. Under FCRA 1681i ( a ), I have the right to dispute and request a full reinvestigation of any information I believe to be incorrect or incomplete. I respectfully request that this matter be thoroughly reviewed and corrected to ensure the accuracy and fairness of my credit report.DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3200.00}

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 2025-10-18 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 to formally dispute inaccurate information that appears on my credit report. After reviewing my file, I noticed discrepancies that do not accurately reflect my financial history and may be misleading. Under FCRA 1681i ( a ), I have the right to dispute and request a full reinvestigation of any information I believe to be incorrect or incomplete. I respectfully request that this matter be thoroughly reviewed and corrected to ensure the accuracy and fairness of my credit report.DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: FL

Complaint narrative:
CREDIT INQUIRIES THAT I DID NOT AUTHORIZED : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2025-10-18 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: LA

Complaint narrative:
EQUIFAX, XXXX, AND XXXX  ALL THREE FACTIOUS GOVERNMENT ENTITIES HAVE INDULGED IN CONSPIRACY. EQUIFAX SENT A LETTER WITHOUT MY PERMISSION TO MY CREDIT CARD COMPANY USING MY NAME TO HAVE MY CREDIT CARD REMOVED FROM FUTURE CREDIT REPORTING. THIS IS A VIOLATION OF 18 USC Section 241 ( CONSPIRACY ) BETWEEN ALL THREE ENTITIES. WHY WOULD I WANT TO CANCEL MY CREDIT CARD OF 44 YEARS FROM XXXX ACCOUNT XXXX ENDING IN XXXX. 
THIS IS OUTRAGEOUS A ARTIFICIAL INTELLIGENCE HAS THE AUTHOURITY TO REMOVE WHATEVER IT WANTS. 


The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies ( CRAs ). 
You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. 
Who is Covered by the FCRA Consumer Reporting Agencies ( CRAs ) : Companies like the three major credit bureaus ( Equifax, XXXX  and XXXX ) that compile and sell consumer reports to Users of Consumer Reports : Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more.

You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information.

EQUIFAX JUST USED THE SAME CREDIT CARD ACCOUNT IN MY DISPUTE TO DROP MY SCORE BY 44 POINTS. THIS IS DISGUSTING THAT CFPB ALLOWS SUCH INJUSTICE WHEN THEY ARE TASKED WITH OVERSEEING THESE FAKEASS DISGUSTING ENTITY 'S KNOWN AS XXXX XXXX AND EQUIFAX. THIS WHOLE CFPB SYSTEM NEEDS A TOTAL REBOOT WITH 100 % TRANSPARENCY IMMEDIATELY!! ! 369 18 U.S. Code 241 - Conspiracy against rights U.S. Code Notes Authorities ( CFR ) prev |next If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth , Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States , or because of his having so exercised the same ; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated sexual abuse or an attempt to commit aggravated sexual abuse, or an attempt to kill, they shall be fined under this title or imprisoned for any term of years or for life, or both, or may be sentenced to death.

Company response to consumer: Closed with explanation