vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2025-06-12 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: AZ

Complaint narrative:
Subject : Identity Theft Formal Dispute and Request to Block Fraudulent Accounts under FCRA 605B ( 15 U.S.C. 1681c-2 ) I am writing to formally dispute and request the immediate blocking of specific fraudulent information appearing on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b ( a ) ( 2 ).

Under the law, consumer reporting agencies may only furnish credit reports under certain permissible purposes. I did not grant authorization for my non-public information to be accessed, shared, or reported in these cases, nor was I properly notified or given an opportunity to opt out. As such, the reporting of this information constitutes a violation of my privacy rights under 15 U.S.C. 1681a ( 4 ) and is unlawful without my consent.

Furthermore, pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four business days. I am enclosing a valid identity theft report from the Federal Trade Commission ( FTC Report Number : XXXX ) in support of this claim. 
I hereby request that the following items be blocked from my credit report immediately as required by federal law : Accounts to Be Blocked : XXXX  Account # : XXXXXXXX XXXX Balance : {$0.00} Status : Closed Charged Off ( XXXX, Experian ) Last Verified : XX/XX/XXXX ( XXXX  ), Not Verified ( XXXX  ) XXXX XXXX Account # : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$22000.00} Status : Closed Charged Off ( XXXX, Experian ) Last Verified : XX/XX/XXXX/2025 Attached is the FTC Identity Theft Report confirming the fraud. These accounts have not been reported or verified across all three bureaus, and I find discrepancies in how they are being handled. I have also made multiple phone calls to your office regarding this situation, with no resolution provided. 
This ongoing inaction is severely impacting my ability to obtain housing for my family. I have previously requested validation or original contracts from the alleged creditors, and over 60 days have passed without a response, which further reinforces my claim under both FCRA 609 ( a ) ( 1 ) and 611 ( a ).

Resolution Requested : Block the above-listed accounts from my credit report under 15 U.S.C. 1681c-2.

Confirm in writing that these items have been blocked from your system within 4 business days.

Thank you for your prompt attention to this matter.

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 2025-06-12 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:
The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 2025-06-12 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: MO

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 XXXX XXXX XXXX. 
XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXXXXXX XXXX, XXXX : # XXXX, XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX, # XXXX. has violated my rights. 

I looked at Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-06-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
i have a gift card from AMEX for {$100.00} and I can't spend it online. It's an online gift card and I'm trying to add it to XXXX, or my XXXX XXXX and no one is taking it, or online merchants. I have the information for the card that I can submit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Block, Inc.
State: WA

Complaint narrative:
Cash app closed my card account for not providing proof off identity on time .Ive sent them my paper non expired id with copy of expired Id I have since Im still waiting on new hard copy to arrive : They also proceeded to dispute a transaction I put a request in to dispute then asked them to cancel dispute since I remembered what it was for. Reason they needed proof of identity is because I asked to dispute transactions then same day asked them not to. I had asked them to dispute some transactions from XXXX I did not make. When My card was either stolen or lost .Thats when my id was also lost or stolen. Both cards were together.They dismissed my request and did what they wanted. disputed transactions I didnt want disputed ignored the ones I did want to be disputed. I also sent a friend a referral link to setup his account which he did so and we never received the money they said we would for the referral.. They sent me cards after reporting mine lost or stolen I couldnt even activate .Received a card they claimed was deactivated when trying to activate it when I had received it. I had no way to transfer money out of account unless I sent to a trusted friend to have them transfer it into my XXXX because I couldnt link my new accounts to my cash app account since I had had old accounts linked once before. It cost my friend XXXX dollars to transfer from their accounts to my accounts so I could access funds i needed in account. Very misleading they are. They claimed id receive bonus for friend referral which I never received. Sent cards I couldnt even activate. Then closed card account after I did what was asked to my best ability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 TILA XXXXXXXX XXXX  XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-06-12 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 TILA XXXXXXXX XXXX  XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: MA

Complaint narrative:
I am submitting this report due to inaccuracies on my credit report stemming from a system error, as confirmed by Equifax, which resulted in my personal information being leaked and used improperly. Ive been denied credit because of this issue, and I request immediate correction within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: WA

Complaint narrative:
Being said I owe a sum of {$620.00} to XXXX XXXX. If it is an Medicare claim if valid I have no idea when this service was or what service was performed or have I received any notice. All Medicare deductibles are paid at time of service. Multiple calls from this company to point of harassment but they will not listen. 
I'm asking when did debt originate, when was it turned over to collections, the signature stating I'm responsible for debt, and any statements that CENTRAL PORTFOLIO CONTRO has the right to collect for original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a XXXX of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : XXXX XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


XXXX XXXX XXXX XXXX outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

XXXX XXXX XXXX XXXXXXXX Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: CT

Complaint narrative:
Please see supporting documents pertaining to Equifax data breach

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 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am currently a victim of identity theft and have been having issues with my Wells Fargo account for the past two months. My first issue started back in XXXX when I noticed two debit cards were created in my name that I had not authorized. These debit cards were utilized to attempt a withdrawal from my main checking account with XXXX XXXX  XXXX ; However, I quickly noticed and called the bank, and was able to have the money that was withdrawn from my checking account returned to me with both debit cards being removed and passwords for all banking accounts changed and updated to be much stronger with a dedicated password manager. Earlier this morning at work, I received a phone call from an individual posing as a Wells Fargo representative who asked me for my Social Security where I promptly ended the phone call. After I got home from work, I immediately went to log in to my Wells Fargo account and noticed my account had been XXXX. Upon further research, I was able to gather information about my Wells Fargo account having an additional checking account created without my authorization. This time, I told them to close all of my accounts, including my credit card, because of the lack of security. I believe they are not taking this matter seriously and are having employees utilize cross-selling tactics as they had in the past, which became a serious scandal. I believe these actions are also associated with my previous fraudulent case, where my Social Security may have been compromised because of this fraudulent activity and tactic utilized by Wells Fargo.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I am in the process of Loss Mitigation as of XX/XX/XXXX. I was on a forbearance plans and once the hard ship was resolved. I was advised that the forbearance plan would be closed and we would be put under a permanent resolution. I was advised on every call that there would be no impact to credit reporting. Please review all calls. I was also told that I would receive the partial claim docs soon and I am now being told the documents have not been completed. Each agent has a different answer. I was told no delinquent reporting and now I am being told they will keep reporting delinquent. This is unfair and abuse of power by this company. Additionally, I have continually been provided misleading information. I have contacted an attorney as this company will not do what is right and I am prepared to fight until my credit is fixed! Remove the 180 day delinquency for XX/XX/XXXX and suppress reporting until you send the partial claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: OH

Complaint narrative:
Equifax is reporting the wrong address I had disputed this for a couple weeks did not change. I am a victim identity theft My address is XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX ohio

Company response to consumer: Closed with non-monetary relief