vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: GA

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. 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 GA XXXX ACCOUNTS : XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$23000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$23000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
Listed below is the personal information that I am challenging : Employer : XXXX XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Name : XXXX XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Date of Birth : XXXX I am writing to request detailed information regarding any reported delinquency or derogatory behavior associated with my profile. It is essential that all information reported is accurate and fully compliant with all applicable laws and standards. 

I would appreciate your confirmation of any potential negative information. I am seeking the absolute truth and verified facts, even if such information is certified. 

However, I am disappointed that your report lacks supporting evidence for the claims made. I am formally challenging you to provide complete documentation that substantiates each claim, verifying that the information is accurate, complete, and true. Please be reminded that any deviation from the XXXX XXXX standards undermines the integrity of the data. 

Based on my review, I can not confirm the accuracy of your claims, as the report you provided does not appear to comply with the Metro 2 data field formatted reporting standards. I am unsure whether the reporting process and format were executed correctly. 

Once again, listed below is the personal information I am disputing : Incorrect Current Address : XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Name : XXXX XXXX Incorrect Date of Birth : XXXX This is my second formal request for the immediate removal of the incorrect personal information that you continue to report. Under 15 U.S. Code 1681a, you are legally obligated to ensure the accuracy of consumer information. These inaccuracies are creating false associations with accounts and credit activities that are not mine. 

I demand the immediate deletion of all incorrect entries. Failure to comply will result in escalation of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
To Whom It May Concern : Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. 

Here is the account I am asking you to verify as accurate : Portfolio Recovery - ( Account Number XXXX ) with a balance of {$920.00} on all three Credit Bureaus. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my reports. 

It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
XX/XX/year>, I received an unexpected, attempted but failed, incoming transfer for {$550.00}. I was then notified that I had been sent a transfer which was a donation for XXXX  for a XXXX XXXX person. I accepted the transfer and I then immediately received notifications that my account has been abruptly closed and my Cashapp card cancelled, without explanation. I immediately called Cashapp who refused to give me any reasons for their actions against me. I informed them that I would be filing a complaint with the Consumer Financial Protection Board as I understand now that Cashapp has repeatedly been in violation of Consumer 's rights. This is undue stress on an elderly person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX. Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. Account Name XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00} XXXX. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$550.00} XXXX. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}

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 non-monetary relief
Consumer complaint received 2025-06-10 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: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: U.S. BANCORP
State: FL

Complaint narrative:
I have been a victim of identity theft for the last year. I filed a police report and an affidavit at that time along with placing an alert on all 3 credit reports stating to verify with me first by calling my cell phone number before granting any credit. US Bank XXXX US Bancorp ) failed to do that and as a result i now have a hard inquiry on my Equifax.

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 2025-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: LPI, INC.
State: FL

Complaint narrative:
On XX/XX/2025 XXXX XXXX stated i STOLE property even though i made a payment to obtain said property which means it is not stolen and the only thing i have done is defaulted on payment which is not illegal.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd
State: GA

Complaint narrative:
Wise ( formerly TransferWise ) unexpectedly closed my account while it held {$1000.00} USD in available funds. I received no advance notice, explanation, or opportunity to withdraw the balance before closure. 

After multiple attempts to contact Wise support, I was only told that my account was under review or additional checks without a defined timeline or outcome. Despite providing identification and having no history of policy violations or suspicious activity, Wise has continued to withhold my money. 

Out of nowhere, they decided to close my account with no warning or additional information. My funds remain inaccessible, and Ive received no communication confirming if or when the funds will be returned. This lack of transparency and access to my own money is unacceptable and financially harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: GA

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.

15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-10 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: MS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 non-monetary relief
Consumer complaint received 2025-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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.

15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 : 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 2025-06-10 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: AZ

Complaint narrative:
I am filing a complaint against TransUnion and Equifax for continuing to report a fraudulent collection account that does not belong to me. The account is being reported by XXXX XXXX XXXX and shows on my credit report under collections. 

I have not received any validation or documentation proving that I owe this debt. I did not authorize it, did not open it, and have no connection to it. This account is fraudulent and materially harming my credit score and my ability to obtain financing for my business.

I demand that TransUnion and Equifax delete this account from my report immediately and provide proof that a proper investigation was conducted, in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: AZ

Complaint narrative:
I am filing a complaint against XXXX and XXXX for continuing to report a fraudulent collection account that does not belong to me. The account is being reported by XXXX XXXX XXXX and shows on my credit report under collections.

I have not received any validation or documentation proving that I owe this debt. I did not authorize it, did not open it, and have no connection to it. This account is fraudulent and materially harming my credit score and my ability to obtain financing for my business.

I demand that XXXX  and XXXX  delete this account from my report immediately and provide proof that a proper investigation was conducted, in accordance with the Fair Credit Reporting Act.

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 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX To : TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Accounts under FCRA 15 U.S.C. 1681b and 1681s2 ( b ) Dear [ Credit Bureau Name ], I am writing to formally dispute the accuracy and validity of the following accounts currently reported on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 are being reported inaccurately or without proper verification, which constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 


Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report under specific, permissible purposes. If any entity has accessed or is reporting these accounts without a legally permissible purpose, this must be immediately addressed and corrected.

Additionally, under 15 U.S.C. 1681s2 ( b ), upon receiving notice of a dispute from a consumer or credit bureau, the furnisher of the information is legally obligated to : 1. Investigate the disputed information ; 2. Review all relevant information provided by the consumer reporting agency ; 3. Report the results of the investigation to the credit reporting agency ; 4. If the investigation finds the information to be incomplete or inaccurate, correct or delete the information. 




Therefore, I am formally requesting that you : 1. Conduct a full investigation into the accuracy and validity of these accounts ; 2. Request verification from the furnishers ( XXXX XXXX and XXXX XXXX XXXX ) under FCRA 1681s2 ( b ) ; 3. Provide me with written confirmation of your investigation results and evidence used to verify these accounts ; 4. Delete or correct the accounts if they can not be properly verified.

3 / 3 Please consider this letter as formal notice that I dispute the accuracy of the information and demand its immediate investigation and resolution. If the items can not be verified within the required time frame, they must be removed from my credit report in accordance with FCRA guidelines. 

Enclosed are copies of my identification documents and a recent utility bill as proof of identity and address. 

Thank you for your prompt attention to this matter. Please respond in writing within the 30-day period required by federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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