vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: NC

Complaint narrative:
I am a victim of identity theft, and fraudulent accounts and inquiries have appeared on my credit reports from Experian, XXXX, and TransUnion. I submitted formal disputes to all three credit bureaus under 15 U.S.C. 1681c2 of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to block identity theft-related information within 4 business days of receiving proper documentation.

I provided : An FTC Identity Theft Report My government-issued photo ID A copy of my Social Security number Proof of my current address Despite providing these materials, these fraudulent accounts and hard inquiries remain on my reports, causing harm to my credit standing and personal wellbeing.

The following fraudulent accounts and inquiries were reported and should be blocked and removed from ALL THREE credit bureaus : 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 Fraudulent Inquiries : XXXX XXXX ( multiple ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I did not initiate or authorize any of these applications or accounts. These are the result of identity theft and must be addressed according to FCRA guidelines.

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 2025-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
CFPB Complaint Text ( Cash App / Block, Inc. ) Subject : Missing funds and altered transaction history Cash App ( Block Inc. ) Details : On or around XX/XX/year>, I noticed that funds were missing from my Cash App balance. My balance dropped from {$25.00} to {$7.00}, without a clear transaction explaining the loss. XXXX XXXX XXXX charges ( one approx. {$12.00}, the other smaller ) briefly appeared in the app but then disappeared entirely from both the Activity tab and the official transaction XXXX export. 

I downloaded the full XXXX ledger and found that the entire window of XX/XX/year> is missing key data. There are no transaction records for several days, despite regular daily card activity, attempted charges, and expected logs. 

Cash App support stated : That no funds were removed from my account That my card was blocked, even though the balance still changed That they can not see or dispute the vanished transactions That they reviewed my complaint, but resolved it without explanation This is a case of : Disappearing funds Missing transaction records A customers real loss being denied outright They invited me to file with law enforcement, so I am doing so now with your agency. 

Request : I am requesting a full audit of my account activity between XX/XX/XXXX and XX/XX/year>, including : All charges ( posted or unposted ) Authorization attempts Any XXXX XXXX-related activity Explanation of ledger discrepancies Company : Block, Inc. / Cash App Internal Case ID : XXXX Total Loss : Approx. {$17.00} Impact : This significantly affected my ability to purchase food and medication. 

Please escalate this to a XXXX. I am prepared to provide screenshots, my XXXX export, and evidence upon request. 

CSFB this has happened to me in the past but I was gaslit pretty severely and can not prove those older dates. But this time I'm not letting it go, with your help CFPB. Not just for me but for anyone else they most likely skimmed from them gaslit. thank you for your time. 
ps i looked everywhere for a place to attach my screen shots and csv log and i couldn't find attach file. this is on my cell phone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: IL

Complaint narrative:
Despite my previous written requests, the following accounts continue to be reported on my credit profile without proper validation. This is a direct violation of the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ). If you are unable to provide documented proof confirming the accuracy of these accounts, they must be deleted without delay. I am prepared to escalate this matter if necessary. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$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 2025-06-30 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: IL

Complaint narrative:
Despite my previous written requests, the following accounts continue to be reported on my credit profile without proper validation. This is a direct violation of the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ). If you are unable to provide documented proof confirming the accuracy of these accounts, they must be deleted without delay. I am prepared to escalate this matter if necessary. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
Cavalry Portfolio Services continues to report an unvalidated collection tradeline on my credit report, despite failing to provide legally required documentation. I previously submitted certified disputesmost recently a Spoliation + Escalation letter on XX/XX/year>, delivered to their XXXX headquarters on XX/XX/XXXX, XXXXyet the tradeline remains active as of XX/XX/year>. They have violated FCRA 1681i duty to investigate and 1681s2b provision of accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NC

Complaint narrative:
I am a victim of identity theft, and fraudulent accounts and inquiries have appeared on my credit reports from Experian, XXXX, and TransUnion. I submitted formal disputes to all three credit bureaus under 15 U.S.C. 1681c2 of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to block identity theft-related information within 4 business days of receiving proper documentation.

I provided : An FTC Identity Theft Report My government-issued photo ID A copy of my Social Security number Proof of my current address Despite providing these materials, these fraudulent accounts and hard inquiries remain on my reports, causing harm to my credit standing and personal wellbeing.

The following fraudulent accounts and inquiries were reported and should be blocked and removed from ALL THREE credit bureaus : 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 Fraudulent Inquiries : XXXX XXXX ( multiple ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I did not initiate or authorize any of these applications or accounts. These are the result of identity theft and must be addressed according to FCRA guidelines.

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 2025-06-30 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: CA

Complaint narrative:
I am writing to dispute inaccurate and damaging information listed in my XXXXcredit file. Under 15 U.S.C. 1681i, you are required to conduct a good-faith, reasonable reinvestigation of any disputed data. Additionally, under 1681g, I request full disclosure of all data sources and verification documents associated with the following entry : It has come to my attention that TransUnion has recently been subject to enforcement action by the Consumer Financial Protection Bureau ( XX/XX/year> ) for engaging in sham investigations and failing to properly respond to valid consumer disputes. I have reason to believe that my prior dispute ( s ) may have been similarly mishandled.

Accordingly, I demand the following : 1. Immediate deletion of the disputed tradeline ( s ) if not fully verified.

2. A detailed description of your reinvestigation process and the identity of any furnisher contacted, pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ).

3. Disclosure of any contracts, instruments, or written agreements relied upon in the course of verification. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-06-30 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: NC

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00}

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 2025-06-30 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: Echelon Financial, Inc.
State: TX

Complaint narrative:
I was added as an authorized user to an XXXXXXXX XXXX XXXX that belonged to my ex-boyfriend in 2022. He was behind on his payments, but I was not the account owner and therefore I don't understand why it is on my credit report. I was an authorized user for that XXXX XXXX XXXX in 2022 and have not used it in nearly 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: IL

Complaint narrative:
The accounts listed below were fraudulently opened and are the result of identity theft. I have submitted the necessary documentation, including my FTC Identity Theft Report and supporting evidence, to both the credit reporting agencies and the data furnishers. To date, neither party has provided any signed agreements, authorization, or proof of account ownership. This failure to act violates the Fair Credit Reporting Act, and I am demanding immediate removal of these fraudulent accounts from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$310.00}

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 2025-06-30 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: IL

Complaint narrative:
The accounts listed below were fraudulently opened and are the result of identity theft. I have submitted the necessary documentation, including my FTC Identity Theft Report and supporting evidence, to both the credit reporting agencies and the data furnishers. To date, neither party has provided any signed agreements, authorization, or proof of account ownership. This failure to act violates the Fair Credit Reporting Act, and I am demanding immediate removal of these fraudulent accounts from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$310.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint because a closed auto loan account from XXXX XXXX is being reported on my credit report with XXXX late payments that are completely inaccurate. 
I have disputed this account multiple times with all three major credit bureaus, and every time they respond that the information has been " verified. '' However, not once have I been provided any original documentation, such as the signed contract or proof of these alleged late payments. 
Ive requested this information repeatedly, but the credit bureaus and XXXX XXXX continue to rely on automated systems like e-OSCAR to verify the information without a real investigation. This is not only unfair, its a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Heres how theyre violating the law : * 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation * 15 U.S.C. 1681s-2 ( b ) : Furnishers failure to investigate and correct inaccurate info * 15 U.S.C. 1681e ( b ) : Reporting inaccurate info without ensuring maximum possible accuracy * 15 U.S.C. 1681i ( a ) ( 5 ) : Failure to delete unverifiable info * 15 U.S.C. 1681i ( a ) ( 7 ) : Not providing me with the method of verification when I asked Im tired of this back and forth. My credit is being damaged by false information, and no one has been able to show me proof. If XXXX XXXX or the bureaus can not show original documentation, this account must be removed immediately. Account is now in litigation.

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 2025-06-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hidden Interest Charges and Unclear Disclosures My Best Buy Visa ( Citibank ) I have been charged {$160.00} in interest on my Best Buy Visa Card, but these charges are not disclosed clearly in the Best Buy or Citibank credit card interface.

The Recent Activity section shows Fees : {$0.00} and no line item for interest. Email alerts only show balance and due dateno interest.

The only way to see interest charged is to log in, click View Statements '', and download the PDF manually by clicking a small hyper link " View " month '' Statement '', not even view interest chargesthis is hidden, not accessible, and not transparent.

I only discovered these charges only after using an external finance app. This violates TILA and CFPB guidelines for clear and conspicuous disclosures and electronic statement access.

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 monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
I made a payment of {$220.00} to KPD Law Group XXXX Klima , Peters & Daly , P.A . ) that cleared on XX/XX/year>. This payment was the first installment of a proposed monthly payment plan to resolve a debt in full by XX/XX/year>. Along with this, I submitted an amortization schedule and formally revoked the Power of Attorney ( POA ) for XXXX XXXX, the third-party settlement company previously acting on my behalf. 

On XX/XX/XXXX, I called KPD and was told to submit my XXXX revocation via their online contact form. I did so that day and followed up with an email, which bounced back as undeliverable. On XX/XX/XXXX, I called again and was told " email doesnt work '' and that my submission was not received. I then mailed a printed copy of the request via USPS with tracking ( # XXXX ). I also sent follow-up faxes on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Despite these repeated efforts and proof of payment, I have received no written acknowledgment of my payment, no confirmation of the POA revocation, and no response to my request for an updated balance. I am simply trying to pay this debt responsibly and communicate directly. I have been transparent and proactive, yet the firm has not replied by phone, email, mail, or fax.

I am concerned that while I am attempting to resolve this matter in good faith, the firm may proceed with legal or garnishment actions without notice, as has been alleged by others in public complaints. I have filed formal complaints with both the Maryland Attorney Generals Consumer Protection Division and the Maryland Attorney Grievance Commission.

All I am asking for is written confirmation that : 1. My Power of Attorney for XXXX XXXX is revoked, 2. My payment was received and applied, 3. My current balance is updated accordingly, and 4. No legal or garnishment action will be taken while I continue making monthly payments as proposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I used to live in a rental house and when I moved to own house, I requested XXXX  from XXXX to terminate my services using their online portal. I filled up the form and at the end of the form, I got the message something around 'we are sorry to see you go, someone from our team will get in touch with you '. This might not be the exact message word to word but something like this was shown as a message. After that, no one contacted from XXXX. In the meanwhile, I took new XXXX internet connection in my wife 's name to our new address. I paid all internet bills for the time I was using my internet ( in fact I paid for the full month while I used the internet for partial month ). Internet cable was not even connected to any modem or router so no internet was used. XXXX unethically keeps on asking for money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: IN

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-06-30 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: TX

Complaint narrative:
trying to buy a house and a car and I realize my credit has been used without my permission. According to 15 USC 1681, I have the right to dispute inaccurate and unverifiable information that's on 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