vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX  THIS IS A FRAUD ACCOUNT THAT POP BACK UP AFTER BEING REMOVED I DEMAND FOR THIS COMPANY AND THE CREDIT BUREAUS TO STOP REPORTING FRAUDULENTLY ACTIVITY ON MY CONSUMER REPORT THATS DAMAGING MY FINANCIAL HEALTH To : Equifax XXXX XXXX XXXX XXXX. Box XXXX, XXXX, GA XXXXXXXX XXXX XXXXXXXX. XXXX XXXX, XXXX, TX XXXX TransUnion LLC XXXX. XXXX 2000, XXXX, PA XXXX Subject : Demand for Immediate and Permanent Removal of Fraudulent Account XXXX XXXX XXXX XXXX To Whom It XXXX Concern, I am a victim of identity theft, and I am formally demanding the immediate and permanent removal of the fraudulent account listed as XXXX XXXX XXXX XXXX from my consumer credit report. 

This account was opened and reported without my knowledge, consent, or authorization. I have already notified the company that this account is fraudulent, and I have stated clearly that I do not recognize or owe any debt related to it. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681c-2 and 15 U.S.C. 1681i, you are required to : 1. Block and delete this fraudulent account from my credit file within four ( 4 ) business days of receiving this letter, as mandated under the FCRA. 
XXXX. Ensure that this account is never reinserted into my credit report without full compliance with the reinsertion procedures outlined in 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

This fraudulent account is causing ongoing harm to my credit profile and financial opportunities. I expect written confirmation from your office that this account has been completely removed and permanently blocked from my credit report. 

Failure to comply with this request will result in me filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), my states Attorney General, and pursuing all available legal remedies. 

Attached is a copy of my government-issued identification and proof of address to assist in verifying my identity. 

Sincerely, 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 2025-08-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
So at Monday I applied for a loan with Money Lion. I got accepted for XXXX XXXX. I enrolled in MoneyLion XXXX XXXX XXXX but have received {$0.00} in disbursed funds. My first payment is not due until XX/XX/year>, and I have not made any payments. I am exercising my right to rescind before repayment begins. I have repeatedly requested cancellation and termination of the loan and membership, but MoneyLion will not transfer me to XXXX XXXX or a supervisor, and I am being pressured to repay a loan I never received. I request immediate loan and membership cancellation with no charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: GA

Complaint narrative:
In XXXX, my personal information was compromised in * * XXXX major data breaches XXXX XXXX XXXXnvolving XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The compromised data included my * * full name, home address, date of birth, Social Security number, credit card and debit card information, and other sensitive personal details XXXX XXXX 

Following these breaches, the XXXX XXXX IRS notified me XXXX XXXX that someone attempted to file tax returns under my name, XXXX, and address in both XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX Additionally, my XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  accounts were exposed and accessed without my authorization. 

These breaches have resulted in XXXX XXXX  serious identity theft risks XXXX XXXX  and XXXX XXXX actual fraudulent activity XXXX XXXX  affecting my finances and personal security. I am requesting that the CFPB investigate and ensure that the responsible companies are held accountable for inadequate protection of consumer data, and that I am provided with adequate remedies, including identity theft protection and remove inaccuracies from my Credit Report.

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 2025-08-09 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and/or fraudulent personal information currently listed in my credit file. The only correct and verified personal information for my file is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Last XXXX of XXXX : XXXX Current Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Phone Number : XXXX Any other personal information appearing in my credit file is incorrect, outdated, or fraudulent and must be removed immediately. 

This letter serves as my formal request, under the Fair Credit Reporting Act ( FCRA ), that you investigate and correct these inaccuracies promptly. I am enclosing copies of my identification and proof of address to verify my identity. 

If I do not receive a response confirming the completion of this investigation and the correction of my personal information within the time frame required by law, I will pursue further legal action to protect my rights. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of Drivers License or State ID Copy of Utility Bill / Proof of Address

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 2025-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint narrative:
Subject : Formal Demand for Deletion of Inaccurate Information Violation of 15 U.S.C. 1681e ( b ) To Whom It May Concern, This letter serves as a formal dispute and demand immediate deletion of inaccurate information currently being reported on my credit file. The continued reporting of this erroneous data constitutes a direct violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy.

The following account ( s ) are being reported inaccurately : Account Name : XXXX XXXX  ( Original Creditor 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 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Block, Inc.
State: IL

Complaint narrative:
I was supposed to get {$10.00} off for purchasing from a restaurant ( XXXX XXXX XXXX ) thru an emailed offer I had clicked on from Cash app but the offer was not honored. I contacted the support chat and they refused to honor the discount even though all terms were met. They claimed they did a thorough review but clearly that was not the case. 

The terms clearly stated : " use the offer by XX/XX/year> at XXXXXXXX XXXX XXXX XXXX  I used the offer at a restaurant for the amount of {$20.00} at XXXX XXXX on XX/XX/XXXX before XXXX, as was allowed for in the terms. But they claimed since I did not use it over the weekend prior to XX/XX/XXXX, they would not honor the advertised {$10.00} discount. 


I have proof and saved the entire disrespectful chat history and will provide should this not be resolved satisfactorily in my favor in a timely manner. This is another clearly deceptive and misleading practices XXXX is sadly known for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
To Whom It May Concern : This letter constitutes my formal and immediate revocation of any and all Power of Attorney ( POA ) previously grantedwhether expressly, impliedly, or contained within any agreement, application, retail installment contract, or other instrumentto American Credit Acceptance or any of its agents, affiliates, representatives, or assigns, in connection with my automobile, vehicle title, registration, insurance, or any other matter related to my motor vehicle. 

Effective immediately upon your receipt of this notice, you and your agents are no longer authorized to act on my behalf regarding my vehicle in any capacity. 
This revocation is executed pursuant to my rights under state contract law, common law principles of agency, the Federal Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., which require transparency, prohibit unauthorized actions, and protect consumers from misrepresentation. Additionally, under Uniform Commercial Code ( UCC ) 1-103 and 1-308, I expressly reserve all rights without prejudice. 

You are hereby directed to : Cease and desist from exercising any authority over my vehicle, its title, or any related transactions. 
Confirm in writing, within XXXX business days, that your records have been updated to reflect this revocation. 
Provide a complete copy of any document in your possession purporting to XXXX such XXXX of Attorney, including any signatures, endorsements, or addendums.

Failure to honor this revocation will be considered a violation of my legal rights and may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney Generals Office, and other applicable regulatory agencies.

All future communications regarding my account are to be conducted in writing only and sent to the mailing address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This correspondence serves as my final demand for the immediate removal of the fraudulent account identified below, which remains on my TransUnion credit report despite my submission of an FTC Identity Theft Report on XX/XX/year> : XXXX XXXX XXXX  Account # XXXX Balance increased from {$6500.00} to {$6700.00} The account was last reported by XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XX/XX/year>. Its continued reporting and unauthorized balance increase are in direct violation of : 15 U.S.C. 1681c-2 Failure to block fraudulent information within four business days of receiving a valid Identity Theft Report.

15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation after receipt of a consumer dispute.

15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy.

15 U.S.C. 1692e ( 8 ) Communicating false credit information, including inflating a fraudulent debt, under the FDCPA.

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 2025-08-09 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: GA

Complaint narrative:
I am submitting this complaint regarding Equifaxs failure to comply with federal law in relation to my rights as a victim of identity theft. Pursuant to 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency must block the reporting of any information in my file that I identify as resulting from identity theft, upon receipt of the proper documentation. I was a victim of identity theft due to the Equifax and Experian data breaches, and despite providing Equifax with the required identity theft report and supporting documentation, they have continued to report fraudulent information on my credit file. This is a direct violation of the Fair Credit Reporting Act, and I request immediate action to ensure full compliance with the law and the removal of all identity theftrelated information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
I recently discovered several 3rd-party accounts on my credit report that I do not recognize and have never authorized. My personal information was exposed in a data breach, and I believe these accounts are the result of that breach and unauthorized use of my identity. I have never applied for, opened, or given permission for these accounts, nor have I conducted any business with these companies. Under the Fair Credit Reporting Act, 605B, I am requesting that these accounts be blocked from my credit file as they are the product of identity theft resulting from the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: NY

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. 

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

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 2025-08-09 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: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in questions, and they are negatively impacting my credit. Per section15 USC 1681 c-2, any fraudulent accounts I did not authorize or sign a contract for must be removed off my credit report in 4 days!

These Fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-08-09 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: FL

Complaint narrative:
I have followed all protocol concerning me being a victim of identity theft. As this has been a long process with no results on behalf my social security number, dob, name, etc being exposed on the dark web due to the negligence of these credit bureaus. They are not following the FCRA laws put in place to protect consumers from being victimized over and and. Please remove and block these fraudulentl accounts from my credit file. I have declared that I am a victim of identity theft. WHAT MORE DO THEY WANT. 

XXXX XXXX XXXX  Dispute not available XXXX XXXX mark icon Whats this? 
View Account Details Account status Closed Age of Account 3 months 16 days Late payments XXXX XXXX XXXX XXXX XXXX XXXX Dispute not available XXXX Help mark icon Whats this? 
View Account Details Account status Closed Age of Account 1 year 6 months 11 days Late payments XXXX XXXX XXXX XXXX XXXXXXXX Dispute not available XXXX Help mark icon Whats this? 
View Account Details Account status Closed Age of Account 5 months 8 days Late payments XXXX XXXX XXXX XXXX XXXX Dispute not available XXXX Help mark icon Whats this? 
View Account Details Account status Closed Age of Account 4 months 21 days

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am formally disputing the reporting of a charge-off account appearing on my credit report from XXXX XXXXXXXX, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under 15 U.S.C. 1681i ( a ), a consumer reporting agency is required to conduct a reasonable reinvestigation to determine the accuracy of disputed information. In this case, the original creditor has failed to provide : A copy of the original, signed contract or agreement showing that this alleged debt belongs to me.

The correct IRS tax documentation ( such as a Form 1099-C, if applicable ) reflecting any cancellation of debt or charge-off in accordance with IRS regulations.

Without these documents, there is no verifiable evidence that this alleged account is valid, belongs to me, or is being reported accurately. Continued reporting of unverified or inaccurate information is a direct violation of the FCRA.

Accordingly, I demand that you : Conduct a reasonable reinvestigation with the furnisher of this account.

Obtain and provide me with copies of the original contract and the correct tax documentation.

If such documentation can not be produced within the statutory timeframe, delete this account from my credit report immediately.

Provide written confirmation of the outcome of your investigation within 30 days as required by 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 2025-08-09 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: TX

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 2025-08-09 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: IA

Complaint narrative:
I have recently checked my credit report and noticed multiple accounts that do not belong to me

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 2025-08-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/year>, leaving XXXXXXXX XXXX coming to the XXXX XXXX in XXXXXXXX XXXX  I accidentally broke and dropped my phone so I couldnt contact anybody. I could send messages to anyone or even let them know that I touchdown at the XXXXXXXX XXXX so I got a brand new phone Went to access my Cash app account and I was told it was closed. They said I violated rules and I dont know how I violated rules or the terms if I can not call you or contact you or send you messages or even receive messages so how did I violate anything? They didnt tell me nothing

Company response to consumer: Closed with explanation