vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
A deposit was tooking off my card for XXXX dollars on XXXX XXXX XXXX  at the XXXX  XXXX  and was supposed to be put back on my card within 3-7 business days an it wasn't. I called them they told me it would take a month. I call the XXXX XXXX And they said they released the money.So I did the customer service chat with Cash App.And they couldn't help me then talk to someone on the phone and they said it was voided an said I got my money which I didn't it's not in any transaction history they can't prove they give it to me. This is the second money was put back on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Dear [ Recipient 's Name ], I am writing to report an incident of identity theft and to request your assistance in resolving a fraudulent lawsuit that has been filed against me. Below are the details of the situation : Type of Fraud : Identity Theft Description of the Incident : I recently received a letter from a lawyer regarding a lawsuit, which is how I became aware of the fraudulent activity. I have not applied for the card in question, and I believe that my personal information was stolen and used without my consent. This is a clear case of identity theft, and I am deeply concerned and distressed by the situation. 

Impact : The letter from the lawyer has caused me significant XXXX  and confusion, as I was unaware of any debt or legal action against me. This has been a frightening experience, and I have since taken steps to understand how to fight back against identity fraud. 

Request : I kindly ask that you dismiss the lawsuit and remove the associated debt from my records, as I am a victim of identity theft. Additionally, I request that the fraudulent information be removed from my credit reports with the three major credit bureaus ( XXXX XXXX and XXXX ), as this is adversely affecting my credit history.

I trust that you will take the necessary steps to investigate this matter and ensure that my name is cleared and my credit report accurately reflects the true state of my finances. 

I appreciate your prompt attention to this matter. Please let me know if you require any additional information from my side to assist in resolving this issue. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Scammer hacked into my accounts and purchased XXXX giftcards and Amex giftcards with my Amex points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 non-monetary relief
Consumer complaint received 2025-04-27 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: VA

Complaint narrative:
dispute the validity of XXXX XXXX  collection accounts appearing on my credit report. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, its been more than 120 days and experian nor XXXX send me validation of the debt or my signature

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 2025-04-27 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of 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 2025-04-27 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: FL

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

I looked at my Transunion credit report on XXXX XXXX and 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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 15 USC 1681s-2 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.

15 U.S.C. 1681B ( 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 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
b'In XXXX, I opened a secured credit card with Fifth Third Bank, depositing $300 to activate it. Due to disputes over unexpected fees, I requested the account be closed in XXXX XXXX  through a Regional Manager in XXXX. The bank has misreported this as Canceled by credit grantor, but closure was at my insistence due to undisclosed and improper fee applications. Fifth Third disabled my access to the card but kept the account open and active, generating statements and accruing fees for eight more months until XXXX XXXX. Despite this, they knowingly reported the account as "closed in XXXX XXXX" to all three credit bureaus, which was inaccurate and violates FCRA Section XXXX(a)(1)(A) (XXXX XXXX XXXX(a)(1)(A)).\nFrom XXXX XXXX  to XXXX XXXX, statements showed ongoing activity, with the balance growing to XXXX by XXXX XXXX, when the account was finally and actually closed. I disputed this with the bank multiple times in XXXX, providing statements as evidence, but Fifth Third insisted their reporting was correct, further violating FCRA Section XXXX XXXX U.S.C.  XXXX2(b)) by failing to correct after disputes. After exhausting efforts to resolve this, I filed a CFPB complaint on XXXX XXXX XXXX (ID XXXX).\nOn XXXX XXXX XXXX, Fifth Third admitted their original XXXX  year long error by updating the closure date to XXXX XXXX  on XXXX, admitting their XXXX XXXX  reporting was inaccurate for XXXX  years, confirming their FCRA violation. The banks XXXX XXXX XXXX, response to my CFPB complaint ignored these updates and refused to remove the account, claiming no error, which was likely Fifth Third telling CFPB what they wanted to hear. On XXXX XXXX XXXX, I sent a certified letter to the banks Office of the President (delivered XXXX XXXX XXXX, XXXX  tracking number XXXX XXXX XXXX XXXX XXXX XXXX, signed for by XXXX XXXX), demanding full removal due to the inaccurate reporting and harm.\nThe account remains on all three reports with negative marks (e.g., XXXX-day late on XXXX), harming my credit for XXXX  years. Fifth Thirds actions constitute XXXX  FCRA violations (under Sections XXXXa)(1)(A) and XXXX(b)), potentially worth XXXX to XXXX  in statutory damages, plus actual damages for the harm caused, plus potential punitive damages. The inconsistent reporting across bureaus (XXXX XXXX XXXX closure; XXXX  no closure date) further proves the banks violations, necessitating this second complaint. I request full removal of the account from all three credit bureaus to resolve this issue.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: TX

Complaint narrative:
This account is not mine this the fourth time i have attempted to rectify this situation it has been deleted and posted back on my file four different times i demand that i be deleted under the FCRA law 15 USC 1681

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXXXXXX XXXX ), and Experian for violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Gramm-Leach-Bliley Act ( GLBA ), and Texas Business & Commerce Code 521 . 

In XXXX, after ending my tenancy at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX issued a Move-Out Statement reflecting a final balance. However, no sale or legal assignment of the debt to a third party was ever disclosed or documented. 

Despite this, XXXX XXXX XXXX ( XXXX ) began reporting the debt to Experian as if they owned it. XXXX falsely reported ownership, accessed my consumer report without a permissible purpose, and furnished inaccurate information. XXXX XXXX continued to control the debt and later offered a direct settlement in XXXX, promising deletion upon payment, further confirming XXXX had no ownership. 

I disputed the account with Experian. Experian marked the account " disputed '' but failed to conduct a reasonable investigation or delete the unverifiable tradeline, in violation of FCRA 1681i and 1681e ( b ). 

XXXX XXXX unlawfully disclosed my private financial and identifying information to XXXX without lawful basis, violating GLBA and Texas privacy laws. 

I have suffered credit damage, unauthorized exposure of my private information, denial of credit opportunities, and emotional distress. 

Timeline of Events : XX/XX/XXXX : I ended my lease at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, managed by XXXX XXXX. XXXX XXXX issued a XXXX XXXX with a final balance but never disclosed or documented any sale, assignment, or transfer of the debt. 

XXXX XXXX : XXXX XXXX XXXX ( XXXX ) began collection efforts, contacting me and later reporting the debt to Experian, falsely implying ownership. 

XX/XX/XXXX : XXXX sent a collection letter identifying XXXX XXXX as the creditor, not themselves, confirming no ownership transfer. 

XX/XX/XXXX : XXXX XXXX offered a direct settlement agreement ( in writing ), confirming they still owned and controlled the debt and promising deletion upon full payment. 

Late XXXX : I disputed the tradeline with Experian. Experian marked the account " disputed '' but did not conduct a reasonable reinvestigation nor delete the inaccurate and unverifiable tradeline, violating their duties under the FCRA. 

XXXX : Despite my dispute and the lack of lawful assignment, Experian continued allowing XXXX to report the tradeline as active, while XXXX continued to furnish inaccurate information, causing continued harm to my credit and emotional distress.

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 2025-04-27 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-27 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: Radius Global Solutions LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX TO : XXXX XXXX XXXX Credit XXXX Department XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Fraudulent Account Notification and Request for Immediate Action Dear XXXX XXXX XXXX, I am writing to notify you that the account you are reporting in my name is the result of identity theft. 
I did not authorize or open any account with Radius Global Solutions. 

From XX/XX/XXXX through XX/XX/XXXX, I was incarcerated in a XXXX XXXX XXXX, making it impossible for me to have opened or authorized any accounts during this time. 
This account is fraudulent and must be immediately addressed in compliance with the Fair Credit Reporting Act ( FCRA ). 

As per my rights under FCRA and the advice provided by the Federal Trade Commission ( FTC ), I hereby request that you : Close the fraudulent account immediately. 

Confirm in writing that : The account is not mine I am not liable for any balance associated with this account The account has been removed from all credit reporting agencies ( XXXX XXXX XXXX XXXX ) Cease any collection activities related to this account. 

Enclosed you will find : A copy of my FTC Identity Theft Report A copy of my Government-issued Photo ID Proof of Address Proof of Incarceration Failure to fully comply within the timeframe mandated by the FCRA will result in further complaints being filed with the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission XXXX FTC ) XXXX and any other applicable regulatory agencies. I will also explore all available legal remedies. 

Please provide the requested confirmation in writing and forward it to the address listed above. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 2025-04-27 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently came across the cfpb XXXX  lawsuit. 

My credit is being negatively impactedall XXXX of credit reporting agencies XXXX, equaifax, and of courseXXXX, which is hurting my chances at getting approved for credit after receiving a response to my earlier disputes that have been submitted coming back that the accounts have been verified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: IL

Complaint narrative:
XXXX consumer protection bureau I'm filing this dispute under statues 15 USC 1681 e-b-c-a-i-g and also under 1692 e, f, g, a, b and I I'm writing to provide an update on my ongoing complaint against Equifax regarding errors on my credit report despite initiating arbitration with your office on XX/XX/year> please allow me to add complaint numbers XXXX second complaint number XXXX and the last number is XXXX Equifax has yet to correct errors on my credit report I am requesting intervention and supervisory intervention from your office you can play to compel Equifax TransUnion and experiencXXXX to take immediate actions updating my credit score arbitration has already been initiated against all three why do they refuse to adhere or respond to the law is beyond me so I am requesting your office to immediately investigate why they keep committing the same infractions and nothing is done

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 2025-04-27 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: IL

Complaint narrative:
XXXX consumer protection bureau I'm filing this dispute under statues 15 USC 1681 e-b-c-a-i-g and also under 1692 e, f, g, a, b and I I'm writing to provide an update on my ongoing complaint against Equifax regarding errors on my credit report despite initiating arbitration with your office on XX/XX/year> please allow me to add complaint numbers XXXX second complaint number XXXX and the last number is XXXX Equifax has yet to correct errors on my credit report I am requesting intervention and supervisory intervention from your office you can play to compel Equifax TransUnion and experiencXXXX to take immediate actions updating my credit score arbitration has already been initiated against all three why do they refuse to adhere or respond to the law is beyond me so I am requesting your office to immediately investigate why they keep committing the same infractions and nothing is done

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