vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 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: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: DC

Complaint narrative:
The company has stolen money from my account amounting to over XXXX including dividends, cryptocurrency and stocks. The company has refused to acknowledge the scam on account and has continued to siphon funds while refusing to transfer over my stocks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
I contact a mortgage lender to refinance my home loan. The mortgage lender did a hard pull for my credit score which showed the following scores : XXXX  score is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX points lower than what i saw in the free credit report ( XXXX ) witXXXX XXXX XXXX XXXX XXXX It turns out the lower score is because of a collections account that shows the account was paid in full, but was not deleted for more than a year after it was paid. The collections agency is Caine & Weiner. The collections agency failed to delete the account for more than a year after account was paid, that adversely impacted my score. This was causing a lot of stress for me during the critical time of refinancing my mortgage with my lender and affected the prospect of getting a better interest rate for no fault of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
b'I am filing this complaint against TSI regarding the account TSI/XXXX XXXX Date Opened: XXXX High Balance: XXXX XXXXeported as a collection. I have no knowledge or record of this account and have never authorized, opened, or been notified of any debt with TSI.\n\nThis appears to be an inaccurate or fraudulent entry, and TSI has not provided any debt validation, original creditor details, or documentation linking me to this account. Reporting unverifiable information violates the Fair Credit Reporting Act (FCRA), including 607(b) requiring accurate reporting and 611(a) requiring verification of disputed information.\n\nDespite prior disputes, this entry remains without proof or proper validation, causing needless harm to my credit profile and financial reputation.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: IN

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-11-08 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-11-08 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: CA

Complaint narrative:
After getting a copy of my credit report from my annual credit report, I realized that there had been a couple of accounts reporting inaccurate and unverifiable information. This is causing me a great deal of hardship in obtaining employment, and passing tenant screenings. Putting my family and I through major anxiety attacks and hospitalizations due to no stability in shelter.

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 2025-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
They are sending me bills in a childs name for whom I am not the custodial parent. I was not present nor did I authorize any charges to be billed to my name. I dont know how they got my information but I have no knowledge of any of this and demand it stops immediately. Aggressive collection tactics and idle threats will be met with police action as this is identity theft. 

STOP IMMEDIATELY or I will be contacting the police to press charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectify these issues.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I dispute this account because it does not belong to me and is being reported in error.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I dispute this account because it does not belong to me and is being reported in error.

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 2025-11-08 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: NY

Complaint narrative:
Hello Transunion, Your company failed to respond to my initial dispute letter as of today. I sent my request disputing the inaccurate and incomplete information. Now according to 15 U.S. Code 1681b the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates to. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATE!! 

* * * Document Continues * * * Unauthorized Accounts XXXX XXXX XXXX XXXX  Account Number : XXXX Balance : {$4900.00} XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$7100.00} XXXX XXXX XXXX Account Number XXXX XXXX Balance : {$10000.00} Unauthorized Inquiries : Account Name : XXXX Inquiry date : XX/XX/year> Account Name : XXXX XXXX Inquiry date : XX/XX/scrub>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 non-monetary relief
Consumer complaint received 2025-11-08 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I am filing this complaint against ALLY FINCL for reporting an inaccurate and unverified charge-off account on my credit report. The account, ALLY FINCL XXXX XXXX XXXX  is listed with a high balance of {$33000.00} and a date opened of XX/XX/2022. I have no knowledge, record, or signed agreement with this creditor, nor have I ever received any documentation validating the existence or accuracy of this account. Reporting an account that can not be verified violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. Additionally, the continued presence of this unverifiable account after dispute violates FCRA 611 ( a ) for failure to conduct a lawful reinvestigation. This false reporting has caused serious harm to my credit standing and misrepresented my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: Westlake Services, LLC
State: FL

Complaint narrative:
On [ XX/XX/year> ], I discovered a hard inquiry from [ Westlake service inc ] on my credit report. I did not apply for credit or authorize this company to access my credit file. I have no relationship with this company.

Under the FCRA, only inquiries with permissible purpose and consent may be reported. I request that this be investigated and removed immediately. This inquiry is unauthorized and is negatively impacting my credit. 

Please provide documentation of my consent or remove the inquiry promptly.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I dispute this account because it does not belong to me and is being reported in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: PR

Complaint narrative:
Recently i looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
here is the item I am asking you to verify as accurate experian - XXXX XXXX Equifax - XXXX XXXX Transunion- 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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
Recently i looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
here is the item I am asking you to verify as accurate experian - XXXX XXXX Equifax - XXXX XXXX Transunion- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am a victim of identity theft I know nothing about account or collection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: CO

Complaint narrative:
Capital one its my credit card provider and they locked or restricted my credit card February 14/ 2025. Because they said need information from me. They need a statement from an account end with XXXX they said I have it with XXXX Bank. I contacted soon as I can to XXXX XXXX  asking for this information and as I said to Capital bank, there is not any account with XXXX XXXX  than ends in XXXX. XXXX XXXX  confirmed to me than there is not account with than number being in my name. I have explained to capital one several times and they just dont resolve anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: NY

Complaint narrative:
Hello Equifax, Your company failed to respond to my initial dispute letter as of today. I sent my request disputing the inaccurate and incomplete information. Now according to 15 U.S. Code 1681b the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates to. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATE!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$7100.00} XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: WA

Complaint narrative:
I am submitting this follow-up regarding my previously filed dispute concerning inaccurate and incorrect address information appearing on my credit report. Despite my initial submission, the following addresses remain on my file and are not associated with me : 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 XXXX, XXXX  XXXX I have never lived at, received mail at, or conducted any business from these locations. These addresses do not belong to me and should not appear on my credit file. Accurate personal identifying information, including current and prior addresses, is essential to proper and fair reporting of consumer credit data. The presence of incorrect addresses can cause confusion, misidentification, or potentially associate me with accounts or activities that are not mine. 

Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. In accordance with this provision, I request that ( or relevant credit bureau ) promptly investigate these inaccuracies and remove any addresses that can not be verified as accurate or legitimately associated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: SC

Complaint narrative:
I recently pulled my credit report and noticed several negative, charge offs and incorrect charges that are reporting inaccurately and without my knowledge.Please help me get these accounts removed immediately. I am a victim of identity theft, and the following accounts have been reported without my knowledge, authorization, or consent. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 605B [ 15 U.S.C. 1681c-2 ], you are legally required to block and remove all information that results from identity theft within four ( 4 ) business days after receiving : ACCOUNT : XXXX XXXX XXXX XXXX XXXX Charged off XXXX XXXX XXXX XXXX Fraudulent school closed from investigation 5 Student loans incorrectly information and dates 1 ) {$4000.00} 2 ) {$1500.00} 3 ) {$580.00} 4 ) {$2300.00} 5 ) {$110.00}

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 non-monetary relief
Consumer complaint received 2025-11-08 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: PA

Complaint narrative:
I dispute this account because it does not belong to me and is being reported in error.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I dispute this account because it does not belong to me and is being reported in error.

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