vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX Balance {$1800.00}

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 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: IL

Complaint narrative:
On XX/XX/year> my account was with over {$500.00} in it. I get weekly deposits so my account is never low or in the negatives Ive been a customer with discover for over 3 years and they close my account I use everyday with no information given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: GA

Complaint narrative:
XXXX charged off my XXXX account, but they continue to report a balance as if the account is still active. The account does not show a {$0.00} balance or indicate that it was sold or transferred, which is required by law. This is a violation of the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 1 ) ( A ) ) for furnishing false and misleading information. The tradeline is inaccurate, misleading, and causing ongoing credit damage.

I am demanding : Immediate deletion of this tradeline from all consumer reporting agencies {$2000.00} in compensation for continued credit damage, emotional distress, and willful reporting violations A written confirmation that I will not be required to sign any NDA, release, or non-disparagement clause Under FDCPA 808 ( 6 ), it is unlawful to require a consumer to waive their rights as a condition of resolution. I reserve my full right to pursue legal, public, and regulatory remedies if this is not corrected in full.

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 2025-04-15 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$590.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-15 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: MA

Complaint narrative:
Every 1-3 days cash app always trying to take XXXX dollars out my cash app every time I asked cash app customer service so many times why does this happen how they file a dispute but they always tell me I am the one that has to wait until the purchase is not pending then I have to make a dispute but I never received nun of the money I ever had to file a dispute for

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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 requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: AL

Complaint narrative:
I'm XXXX of 2025 I tried to open a new cash app account because I lost access to my old email and phone number due to being incarcerated for 3 years well they closed it automatically trying to say I've violated the terms and conditions of my cash app I haven't had access to my account in 3 years so it could not have been me. I just would like to have my cash app account back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
On XX/XX/2025, I sent dispute letters to Equifax, Experian, and TransUnion regarding several unauthorized hard inquiries on my credit reports. These inquiries were not initiated or authorized by me, and I requested that the bureaus provide documentation proving my authorization.

As of today, more than 30 days have passed, and none of the credit bureaus have responded or provided any documentation. Under the Fair Credit Reporting Act ( FCRA ), they were required to investigate and respond within 30 days. Their failure to do so is a violation of my rights.

I am requesting the immediate removal of these unauthorized inquiries from all three credit reports.

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 2025-04-15 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:
On XX/XX/2025, I sent dispute letters to Equifax, Experian, and TransUnion regarding several unauthorized hard inquiries on my credit reports. These inquiries were not initiated or authorized by me, and I requested that the bureaus provide documentation proving my authorization.

As of today, more than 30 days have passed, and none of the credit bureaus have responded or provided any documentation. Under the Fair Credit Reporting Act ( FCRA ), they were required to investigate and respond within 30 days. Their failure to do so is a violation of my rights.

I am requesting the immediate removal of these unauthorized inquiries from all three credit reports.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
FORMAL DISPUTE LETTER : UNAUTHORIZED HARD INQUIRY PURSUANT TO FCRA ( 15 U.S.C. 1681 ) AND ECOA ( 15 U.S.C. 1691 ) DATE : XX/XX/XXXX, 2025FROM : XXXX XXXX XXXX XXXX, LA XXXX : XXXX TO : All Credit Reporting Agencies and XXXX XXXX XXXX XXXX, MN XXXX : Unauthorized Hard Inquiry Removal Request ACCOUNT INFORMATION : Creditor : XXXX  Inquiry Date : XX/XX/year>2025 Address Identification Number : XXXX LEGAL BASIS FOR REMOVAL : I am formally disputing the above-referenced hard inquiry pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ). This inquiry must be removed from my consumer report for the following legal reasons : 1. FCRA Section 604 Violation ( 15 U.S.C. 1681b ) : This inquiry was conducted without a permissible purpose as defined by statute. I did not initiate an application for credit with this entity, thereby rendering this inquiry unauthorized and in direct violation of FCRA permissible purpose requirements. 
2. ECOA Regulation B Violation ( 12 CFR 1002.12 ) : The inquiry fails to comply with record retention requirements that mandate proper documentation of consumer-initiated credit applications. No such documentation exists as I did not authorize this inquiry. 
XXXX. Metro 2 Format Reporting Violations : Field 25 ( Terms Duration ) improperly coded Consumer Information Indicator ( CII ) field fails to reflect disputed status Account Number field contains improperly formatted identifier Base Segment Account Status field ( Field 17A ) incorrectly reported 4. Credit Reporting Resource Guide ( CRRG ) Non-Compliance : Section 4.7 violation : Failure to obtain proper consumer authorization Section 6.3 violation : Improper coding of inquiry type Section 8.10 violation : Failure to maintain required documentation DEMAND FOR CORRECTION : Pursuant to FCRA Section 611 ( 15 U.S.C. 1681i ), I demand immediate investigation and complete removal of this unauthorized hard inquiry. This inquiry has remained on my credit file for approximately 2-3 months in violation of applicable federal law.

I require written confirmation of removal within 30 calendar days as mandated by statute. Failure to comply will necessitate further legal action, including potential complaints to the Consumer Financial Protection Bureau, Federal Trade Commission, and appropriate state regulatory agencies.

All communications regarding this matter must be documented through the E-OSCAR verification system with appropriate ACDV codes reflecting this formal dispute. 
Sincerely, XXXX XXXX XXXX XXXX LA XXXX : XXXX cc : Consumer Financial Protection Bureau

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 2025-04-15 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been trying to resolve an issue regarding the closure of my Citibank account for over a month now, and I have yet to receive clear communication or the funds I am owed. 

On XX/XX/year>, I spoke with a Citibank customer service representative over the phone. They informed me that my account had some restrictions placed on it by my local branch, and that I would need to visit the branch in person to address the issue. I specifically asked if my account was still open, and they confirmed that it was, although there were holds in place due to the branch. 

The following day, on XX/XX/year>, I visited the branch in person with my mother, who is also a Citibank customer. I asked if I could transfer the funds from my account into hers, since we both bank with Citibank. However, the branch staff then got on the phone with Citibank customer service and told me that my account had already been closed, and that I would receive a check by mail in XXXX business days with the remaining balance. 

This was extremely confusing, as I had just been told the previous day that my account was still open, and now it was suddenly closed overnight. It felt like too much of a coincidence, and no one has explained what actually happened. 

Since then, it has been over a month, and I have not received the check, no confirmation of the account closure, and no written communication or email about what happened or when my funds will arrive. Ive made multiple attempts to follow up, but keep getting redirected without answers. 

I am requesting : XXXX confirmation that my account was closed The date the check was issued ( if it was ) XXXX that my check will be sent and received without further delay I need this resolved as soon as possible. If it is not addressed promptly, I will consider taking legal action.

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 2025-04-15 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: FL

Complaint narrative:
I was double charged for a hotel stay on XXXX XXXX. I booked the hotel on XXXX XXXX through XXXX. While I already paid full amount for the stay, the hotel XXXX XXXX XXXX XXXX insisted that they do not accept payment through a third-party ( Booking.com in this case ) and I had to pay for the room again. I paid XXXX $ again for that room. So I was double charged. I was told by both book.com and the hotel that I should contact my bank for this issue. So I did. I contacted Capital One XXXX times and they insisted that I should provide additional information on this dispute. Based on my transaction records, they can clearly see that I was double charged. While this dispute has not been resolved, they closed the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$590.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$590.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-15 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: NY

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  - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX of Unauthorized Inquiries : XXXX XXXX XXXX  XXXX  - 2023XXXX XXXX XXXX - 2023XXXX XXXX XXXX XXXX - 2023XXXX XXXX  XXXX  XXXX - 2023XXXX XXXX XXXX XXXX - 2023XXXX XXXX XXXX - 2023XXXX XXXX XXXX  - 2023-XXXX XXXX XXXX  - 2023XXXX XXXX XXXX XXXX  - 2023XXXX XXXX XXXX XXXX  - 2023XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: OH

Complaint narrative:
I have gave them everything they have asked for since XXXX and they say they don't get it or the operator on phone says they got it yet in the end they didn't

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-15 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: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX  Account number XXXX For identity verification, I am including the following documents : A copy of my XXXXissued ID A copy of my Social Security card A recent bank statement showing my current address

Company response to consumer: Closed with explanation