vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: AR

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-23 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: TX

Complaint narrative:
Despite repeated credit reporting disputes and validation requests, the credit reporting agency has continued to report and verify an account from XXXX XXXX XXXX as accurate on my credit report. These verifications directly contradict the public legal record. In XXXX XXXX. XXXX filed in Texas state court, XXXX XXXX brought a debt collection lawsuit against me, but failed to validate the debt or comply with a granted discovery order. The court had specifically ordered the Plaintiff to produce a true and correct copy of the original agreement allegedly bearing my signature, any application or identity-verifying documentation ( such as XXXX XXXX XXXX, complete account statements, and any evidence demonstrating that I opened or am responsible for the account. None of these items were provided. At most, Plaintiff submitted generic account summaries that did not establish liability. During mediation, Plaintiffs attorney admitted on record that I had submitted multiple written requests for validation and verification that were ignored. On XX/XX/year>, the court entered a Notice of Nonsuit Without Prejudice after Plaintiff abandoned its case rather than respond to required disclosures. Despite this, the credit reporting agency continued to report the account as verified, which is unsupported by facts or legal findings. Their continued reporting of this unvalidated debt after multiple disputes violates the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) ( failure to ensure maximum possible accuracy ), 1681i ( a ) ( failure to conduct a reasonable reinvestigation ), and 1681i ( a ) ( 5 ) ( failure to delete or correct unverifiable data ). The result is ongoing damage to my credit, financial hardship, reputational harm, and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been the victim of multiple confirmed data breaches which compromised my personal information, including my email address and passwords. 

Attached are screenshots showing my data was exposed in several breaches, including XXXX, XXXX, XXXX, and multiple combolists between XXXX and XXXX. These incidents exposed sensitive information such as my full name, date of birth, physical address, email address, and passwords. 

As a result of these breaches, I am experiencing security and identity concerns and believe that unauthorized inquiries have been made using my personal information. 

I am formally requesting that multiple unauthorized credit inquiries made in my name be investigated and removed from my credit reports, as I did not initiate or authorize them. 

Please consider this breach evidence as part of my dispute. 
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  TRANSUNION INQUIRIES XXXX XXXX ( Finance ) XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX INQUIRIES 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  EXPERIAN INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a fraudulent collection account that appears on my credit report. The account was opened without my authorization or consent and is the direct result of identity theft.

I am requesting an immediate block and removal of the account from all consumer reporting agencies in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B ( 1681c2 ), which mandates that such information must be blocked upon proper notice and documentation.

Details of the Disputed Account : Name : XXXX XXXX XXXX XXXX of XXXXXXXX  ] Current Address : homeless Credit Bureau ( s ) : [ XXXX XXXX XXXX  list applicable ] Creditor/Collection Agency Jefferson Capital Systems Account Number XXXX XXXX Date Listed : XX/XX/year>XXXX  This account is fraudulent, unauthorized, and must be blocked under federal law. As required by FCRA 605B, I am providing the necessary documents to substantiate my claim. Please cease reporting this account immediately and send written confirmation of its removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: OR

Complaint narrative:
On XX/XX/year>, unauthorized transactions totaling {$930.00} were withdrawn from my Cash App Card ending in XXXX by a company called XXXX XXXX ( XXXX XXXX XXXX ). I did not authorize these charges. 

I reported this to Cash App on XX/XX/year>, as a formal dispute under the Electronic Fund Transfer Act ( EFTA ). Instead of assisting, Cash App permanently deactivated my newly issued Cash Card and has provided no details beyond citing a vague policy violation. 

I also have not received a provisional credit, despite my report being timely and over 10 business days having passed. This directly violates 12 CFR 1005.11 ( c ) ( 2 ) ( i ) under Regulation E, which requires a provisional credit to be applied if the institution can not resolve the dispute within 10 business days.

I have not been given a written reason for the deactivation or a fair opportunity to appeal. This treatment feels retaliatory for exercising my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: Exeter Finance, LLC.
State: NJ

Complaint narrative:
Dear Exeter Finance, I am writing to formally dispute the accuracy and validity of a charged-off auto loan listed on my credit report under account number XXXX. After reviewing my credit file, I believe the information reported is incomplete, inaccurate, or can not be verified. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting a full reinvestigation of this account. Specifically, I request the following : Verification of the original auto loan agreement and all related documents.

A complete payment and delinquency history. 
Confirmation of the date of first delinquency and the date the account was charged off. 
Evidence that your agency or the original creditor has accurately reported the account. 
Additionally, I would like to bring to your attention that I have not received a Form 1099-C ( Cancellation of Debt ) related to this charged-off auto loan. If the debt was canceled or forgiven, the creditor is legally required to issue a 1099-C to both me and the IRS under IRS regulations . The absence of this form raises questions about the status and validity of the debt and whether it is still legally enforceable.

If the debt has in fact been forgiven, it should not be listed as collectible or delinquent on my credit report, and I formally request that it be removed or updated accordingly. 

As outlined in 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the investigation finds that the disputed information is inaccurate or can not be verified, it must be promptly deleted from my credit file.

Please complete this reinvestigation within the legally required 30-day period and provide me with written results. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Dear XXXX XXXX, I am writing to formally dispute the accuracy and validity of a charged-off auto loan listed on my credit report under account number XXXX. After reviewing my credit file, I believe the information reported is incomplete, inaccurate, or can not be verified. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting a full reinvestigation of this account. Specifically, I request the following : Verification of the original auto loan agreement and all related documents.

A complete payment and delinquency history. 
Confirmation of the date of first delinquency and the date the account was charged off. 
Evidence that your agency or the original creditor has accurately reported the account. 
Additionally, I would like to bring to your attention that I have not received a Form 1099-C ( Cancellation of Debt ) related to this charged-off auto loan. If the debt was canceled or forgiven, the creditor is legally required to issue a 1099-C to both me and the IRS under IRS regulations . The absence of this form raises questions about the status and validity of the debt and whether it is still legally enforceable.

If the debt has in fact been forgiven, it should not be listed as collectible or delinquent on my credit report, and I formally request that it be removed or updated accordingly. 

As outlined in 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the investigation finds that the disputed information is inaccurate or can not be verified, it must be promptly deleted from my credit file.

Please complete this reinvestigation within the legally required 30-day period and provide me with written results. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: OH

Complaint narrative:
Unable to Access Experian Account or Reach Customer Support Dear CFPB, Im writing to file a complaint against Experian regarding issues accessing my account. I have been unable to log in to the Experian website despite multiple attempts. Each time I try, I encounter login errors that prevent me from accessing my credit information. 

Ive also attempted to resolve the matter by contacting Experians customer support, but I have not been able to reach any live agents through their listed channels. The automated system either disconnects or reroutes me without resolution, leaving me with no way to speak to a representative or get assistance.

This situation has caused me considerable frustration and concern, as I need access to my credit report and account for important financial matters. I'm requesting CFPBs assistance in helping resolve this issue so I can regain access to my account and receive the support needed. 

Thank you for your attention. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
My name is XXXX XXXX, my Social Security Number is XXXX, my Date of Birth is XXXX 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 , 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 an account opened with XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  an account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX A loan account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  A credit card account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX An account opened with XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX  A loan account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
My name is XXXX XXXX, my Social Security Number is XXXX, my Date of Birth is XXXX 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 , 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 an account opened with XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  an account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX A loan account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  A credit card account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX An account opened with XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX  A loan account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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. 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 explanation
Consumer complaint received 2025-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2025-07-23 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: FL

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

Company response to consumer: Closed with non-monetary relief