vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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:
I am formally submitting this dispute to Experian pursuant to the Fair Credit Reporting Act ( FCRA ), specifically invoking my rights under 15 U.S. Code 1681c-2 ( Section 605B ), to block and remove identity theft-related information. This is not a frivolous or duplicative dispute. It is based on new documentary evidence, including my XXXX Full File Disclosure dated XX/XX/year>, which confirms that the following tradeline is not reported in their system, validating that it is fraudulent and misattributed. 

The account in question is : XXXX XXXX XXXX Account XXXX. XXXX XXXX : {$4600.00} I did not apply for, open, authorize, or benefit from this account. No contractual relationship exists between me and XXXX XXXX XXXX or any associated original creditor. Furthermore, no permissible purpose exists under FCRA 1681b ( a ) ( 2 ) to justify its presence on my Experian credit file. I have also submitted the following documentation as required by FCRA 1681c-2 ( a ) : A valid FTC Identity Theft Report ( Ref. No. XXXX ) A copy of my government-issued photo ID Proof of current address A written statement identifying this account as fraudulent Despite this, the XXXX XXXX XXXX  tradeline continues to report as an open, derogatory account with a balance of {$4600.00}, which is materially inaccurate, harmful, and in direct violation of federal law. 

Experians failure to block and delete this identity theft tradeline within XXXX ( XXXX ) business days of receiving valid documentation is a violation of FCRA 1681c-2 ( c ). Continued reporting also violates : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681c ( a ) ( 4 ) Illegal re-aging through derogatory monthly updates FCRA 1681i ( a ) ( 5 ) ( A ) Failure to delete unverifiable or misleading data 26 U.S. Code XXXX No XXXX form has been issued for a charged-off amount over {$600.00} The confirmation from XXXX ( dated XX/XX/scrub>XXXX XXXX XXXX  ) that this account does not appear in their system further reinforces that this tradeline is not legitimately associated with my identity and must be treated as identity theft under the law. 

I respectfully request that Experian : Immediately and permanently delete the XXXX XXXX XXXX tradeline ; Provide written confirmation of deletion and block within the statutory 4-business-day window ; Affirm that the account will not be reinserted unless fully compliant with FCRA 1681c-2 ( d ).

Failure to comply will be viewed as a willful violation under FCRA 1681n and 1681o, and I reserve the right to pursue all legal remedies.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX Subject : Formal Dispute of Inaccurate Charge-Off under FCRA ( 15 U.S.C. 1681i ) and FCBA ( 15 U.S.C. 1666 ) To Whom It May Concern in TransUnion Dispute Department I am formally disputing an inaccurate and potentially misleading item on my credit report, as provided to you under my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666. 
The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Bank Account Number : XXXX Date Opened/Reported : XX/XX/XXXX Account Status : Closed on XX/XX/XXXX Payment Status : Collection/Charge-off Last Payment : XX/XX/XXXX Charged Off : XX/XX/XXXX Creditor Remarks : Charged Off as a bad debt | Profit and Loss write-off Past Due Amount | Balanced Owed : {$1300.00} I am disputing the accuracy of the reporting of this account, particularly the designations of " Charged Off '' '' Past Due Last Payment on XXXX and Closed Date on XXXX. These terms are factually inaccurate and do not reflect the correct status of the account. Such reporting misleads creditors and potential lenders and is a violation of your obligation to maintain complete and accurate information as required by FCRA XXXX ( b ). 
To support my dispute, I am requesting that you conduct a full investigation under the FCRA and verify the accuracy of the information being reported. Specifically, I request the following : XXXX. A copy of the original signed contract or application bearing my signature ; XXXX. A full account payment history and accounting of the balance ; XXXX. Documentation showing XXXX XXXX XXXX  still owns or legally services this debt ( or if it was transferred/sold, details of the chain of custody ) ; 18. The name and contact details of the furnisher who verified this information ; 19. Evidence that this charge-off has not been settled, satisfied, or otherwise closed through legal, financial, or securitization mechanisms ; 20. All documentation used to verify the account, as required under FCRA 611 ( 15 U.S.C. 1681i ) ; 21. Confirmation that this information is being reported in full compliance with the FCRA, and that it does not misrepresent the current legal or financial status of the account.

Until the results of this investigation are complete, please mark this account as in dispute on my credit report, in compliance with FCRA 1681c ( f ). If the requested documentation is not provided within 30 days, or if you can not substantiate the validity of this information, I request the immediate removal of this account from my credit file.

Please respond to my dispute at the address above. A failure to respond adequately may result in legal action under the FCRA and other applicable consumer protection statutes. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am writing to formally dispute several credit inquiries listed on my credit report. I did not authorize these inquiries, nor did I initiate any applications for credit with the companies listed. 
Under the Fair Credit Reporting Act ( FCRA ), only inquiries that I have given written or documented permission for should appear on my credit file. Therefore, I respectfully request that you investigate these inquiries and have them removed from my credit report as they do not belong to me. 
Please confirm in writing once the inquiries have been deleted or provide documentation showing that I gave permission for them. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am writing to formally dispute several credit inquiries listed on my credit report. I did not authorize these inquiries, nor did I initiate any applications for credit with the companies listed. 
Under the Fair Credit Reporting Act ( FCRA ), only inquiries that I have given written or documented permission for should appear on my credit file. Therefore, I respectfully request that you investigate these inquiries and have them removed from my credit report as they do not belong to me. 
Please confirm in writing once the inquiries have been deleted or provide documentation showing that I gave permission for them. 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 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
According to 15 U.S.C. 1681b of the Fair Credit Reporting Act To Whom It May Concern, I am writing to dispute an unauthorized bank account listed under my name and Social Security number. According to 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), consumer reports may only be accessed for specific permissible purposes and with the consumer 's knowledge or consent. I did not open any bank account associated with XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX  nor did I authorize Early Warning Services or any affiliated financial institution to access or use my consumer information in connection with this account. This is a serious matter, as it may indicate identity theft or unauthorized use of my personal information.Because this inquiry was made without a permissible purpose as defined under federal law, I am requesting that you immediately remove any unauthorized accounts and related inquiries associated with my name. This is a private communication. I reserve all rights. This matter is being handled in good faith and under protest. No third party has my permission to use or share my private information without proper legal justification. If this dispute is not resolved within XXXX XXXX as required under the FCRA, I will pursue further action with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and may consider legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
According to 15 U.S.C. 1681b of the Fair Credit Reporting Act To Whom It May Concern, I am writing to dispute an unauthorized bank account listed under my name and Social Security number. According to 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), consumer reports may only be accessed for specific permissible purposes and with the consumer 's knowledge or consent. 
I did not open any bank account associated with Bank of America nor did I authorize XXXX XXXX XXXX  or any affiliated financial institution to access or use my consumer information in connection with this account. This is a serious matter, as it may indicate identity theft or unauthorized use of my personal information.Because this inquiry was made without a permissible purpose as defined under federal law, I am requesting that you immediately remove any unauthorized accounts and related inquiries associated with my name. This is a private communication. I reserve all rights. This matter is being handled in good faith and under protest. No third party has my permission to use or share my private information without proper legal justification. If this dispute is not resolved within 30 days as required under the FCRA, I will pursue further action with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and may consider legal counsel.

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 2025-07-19 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:
To Whom It May Concern, Please be advised that my legal name is XXXX XXXX XXXX XXXX ( not XXXX XXXX XXXX XXXX. My Social Security XXXX is XXXX, and my date of birth is XX/XX/XXXX. 
This correspondence constitutes a formal dispute and request, submitted pursuant to 15 U.S.C. 1681c2 ( FCRA Section 605B ), for the immediate blocking of all fraudulent and unauthorized information appearing on my consumer credit report as a result of identity theft. Specifically, I am requesting that the following information be permanently blocked from my credit file maintained by TransUnion, Experian, and Equifax : A personal loan allegedly opened at XXXX XXXX on or around XX/XX/XXXX, under account number ending in XXXX, which I did not initiate, authorize, or open. 
Fraudulent hard credit inquiries, including but not limited to : XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX Any related collections or tradelines resulting from the above-referenced fraudulent activity. 
I affirm under penalty of perjury that I did not authorize, open, or otherwise engage in any transactions related to the accounts or inquiries identified above. These entries are the direct result of identity theft and are materially false, inaccurate, and damaging. 
In accordance with FCRA 605B, I am submitting this request with supporting documentation, including a copy of my FTC Identity Theft Complaint ( # XXXX ), as required by law. Upon receipt of this complaint and supporting documentation, the aforementioned consumer reporting agencies are legally obligated to block the identified fraudulent information from my credit file within XXXXur ( 4 ) business days.Failure to comply with this statutory obligation may constitute a violation of the FCRA and may result in further legal action.Please confirm receipt of this dispute and provide written confirmation of the blocking of the disputed information via email : XXXX Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I didn't authorize this account. Please remove hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
A purchase of {$690.00} was made on XX/XX/2025, a dispute was opened first- XX/XX/2025 for Regulation E " Refund not recieved '', the merchant supplied reciept was given XXXX times. On all XXXX disputes all XXXX denials cite a transation separate from the disputed one- support had been made aware of this EVERY time. 
Cashapp fails to adhere to Federal regulations on disputes due to this gross incompetence. 
The cashtag is XXXX XXXXXXXX Phone number- XXXX I informed support my next option is to take Cashapp to small claims court. 
Your support also refused to supply the current dispute documents. A true sign no one at your outsourced support is properly trained in any way shape or form.-included

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I didn't authorize this account. Please remove hard inquiry.

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 2025-07-20 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: IA

Complaint narrative:
I am filing a consumer protection complaint against XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX , along with the credit bureaus ( XXXX, XXXX, and TransUnion ) , for continued reporting and collection of an invalid debt. Despite several disputes and requests for validation and chain of title, these companies refuse to respond. This violates the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Iowa consumer protection laws.

I request your assistance in investigating this matter and ensuring the illegal reporting and collection activity stops immediately. I have documentation available upon request.

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 2025-07-20 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : * XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX TO : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX RE : FINAL DEMAND FOR FULL VERIFICATION Charge-Off Accounts MUST BE Validated or Deleted Immediately To Whom It May Concern, This letter serves as a formal dispute and final demand under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), regarding the following charge-off accounts listed on my TransUnion credit report : XXXX XXXX Account XXXX XXXX Charge-off {$0.00} XXXX Account # XXXX Charge-off {$0.00} XXXX BANK XXXX Account # XXXX Charge-off {$2700.00} As mandated by federal law, I am demanding that you perform a reasonable and thorough reinvestigation of these accounts and provide the full method of verification. Let me be absolutely clear : DO NOT send me a generic letter stating the accounts have been " verified '' unless you are including all requested documentation below. A one-line response is not sufficient, not legal, and not acceptable under the FCRA. 
You are required to send me : The name, department, and contact information of the person or furnisher who verified each account A copy of the original signed contract bearing my wet signature A complete billing and payment history A flow sheet showing the full chain of assignment or transfer of the account from the original creditor to any third-party A binding agreement or purchase contract proving the furnishers legal right to report or collect on the debt Confirmation that a manual reinvestigation ( not an automated E-OSCAR system ) was conducted If you can not provide all of these items, then per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are legally required to permanently delete these accounts from my credit report. 

Should you fail to comply, I will take the following actions immediately : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Notify the Federal Trade Commission ( FTC ) Report your violation to the Illinois Attorney Generals Office Initiate civil litigation under 15 U.S.C. 1681n and 1681o, seeking full statutory, actual, and punitive damages for willful noncompliance This is your FINAL WARNING. You are now legally obligated to respond with actual evidencenot boilerplate letters or unverifiable codes. 

If you can not prove it, you must remove it. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Credit inquiries that i did not authorized XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax update XX/XX/XXXX Equifax XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX Equifax XX/XX/XXXX Equifax XX/XX/XXXX Equifax XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year> I purchased a mattress and box spring for {$690.00} based on the merchant promising a {$100.00} credit for all purchases over {$490.00}. I signed up for an account and received a discount code to enter when I placed my online order ( I attached photos of the purchase and discount code I received from the seller ). 

I placed the order but was never given the {$100.00} discount as promised so I called the merchant three times to resolve it but they kept forwarding me to a retail store when I placed the order online. 

I then disputed {$100.00} of the charge with capital one who accepted the merchants explanation without understanding the issue. I am only disputing the amount I was promised on the merchants advertisement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Account ONEMAIN XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXX Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation