vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: MI

Complaint narrative:
The following accounts were not authorized by me. 

XXXX XXXX Account number XXXXXXXX XXXX XXXXXXXX Account number XXXX Furthermore, I have NOT received a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information unauthorized information which can not be verified. 

I must reiterate : stating verified without providing actual proof is not sufficient under federal law. If you can not produce legally valid verification and full documentation, I demand these accounts be removed from my credit file immediately. 

I believe this information may be linked to the exposure of my personal information during previous and recent data breaches. Which compromised sensitive information for millions of consumers and could have contributed to the inaccuracies or fraudulent activity on my credit report. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA. I demand the following unauthorized accounts be verified or deleted immediately.

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 2025-04-18 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: MI

Complaint narrative:
The following accounts were not authorized by me. 

XXXX XXXX Account number XXXXXXXX XXXX XXXXXXXX Account number XXXX Furthermore, I have NOT received a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information unauthorized information which can not be verified. 

I must reiterate : stating verified without providing actual proof is not sufficient under federal law. If you can not produce legally valid verification and full documentation, I demand these accounts be removed from my credit file immediately. 

I believe this information may be linked to the exposure of my personal information during previous and recent data breaches. Which compromised sensitive information for millions of consumers and could have contributed to the inaccuracies or fraudulent activity on my credit report. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA. I demand the following unauthorized accounts be verified or deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 2025-04-18 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: Block, Inc.
State: CA

Complaint narrative:
Name : XXXX XXXX ( AKA XXXX XXXX ) Phone Number : XXXX Email : XXXX Cash App Tag : XXXX XXXXXXXX Company : Square , Inc. ( Cash App ) Product : Mobile/Digital Wallet Issue : Fraud or scam Unauthorized transactions and account closure What Happened : I used my Cash App account solely to receive my IRS tax refund, which was deposited on XX/XX/year>. I did not authorize any transactions afterward. I was working out of state in Oregon and had no access to the app or my funds. When I returned, I discovered my account had been closed, my balance wiped out, and numerous unauthorized transactions had occurred. 

I have repeatedly attempted to resolve the issue through Cash App support. Despite clearly stating that all activity from XX/XX/XXXX forward was fraudulent, I have been ignored by automated systems, and their support team has yet to escalate or refund the missing IRS funds. 

I am protected under Regulation E, and this is a case of financial fraud and possible identity theft. I did not give anyone access to my phone, account, or personal information. I have submitted documentation and a full statement, yet still have not received a resolution or refund.

Requested Resolution : 1. Full refund of my IRS tax return and all unauthorized transactions 2. An investigation into how my account was accessed and closed 3. Confirmation that my personal information was not compromised 4. Direct contact with a senior support representative or case investigator

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: SC

Complaint narrative:
I am a XXXX of identity theft. There are some car loans, credit card and cell phone bill on my credit reports. I didn't give anyone permission or authorizations to open these accounts iny name. Inquiries are as follows XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: SC

Complaint narrative:
I am a XXXX of identity theft. There are some car loans, credit card and cell phone bill on my credit reports. I didn't give anyone permission or authorizations to open these accounts iny name. Inquiries are as follows XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-18 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-18 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:
FCRA Dispute Statement for CFPB Submission RE : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account I am submitting this complaint as a victim of identity theft under the protections afforded by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This fraudulent account, listed by XXXX XXXX XXXX and originally tied to XXXXXXXX XXXX XXXX XXXX has appeared on my credit report despite multiple formal disputes and previous removal actions. 

This account is not mine. I did not authorize or open it.

I have filed no fewer than seven ( 7 ) identity theft disputes with the credit bureaus regarding this same account.

The account was previously removed, confirming it was determined to be inaccurate or fraudulent.

It has now reappeared without cause, constituting a violation of FCRA 611 ( a ) ( 5 ) ( B ), which prohibits re-insertion of previously deleted information without proper certification from the furnisher and consumer notification.

I have submitted an FTC Identity Theft Report and provided supporting documentation to the credit bureaus. I am now requesting the CFPB enforce my rights under FCRA Section 605B, which mandates the blocking and permanent deletion of fraudulent information. 

I further request that XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  be investigated for improper furnishing of data and for continuing to report a disputed and fraudulent debt after being informed of its inaccuracy, which may also violate FCRA 623.

I respectfully demand the immediate and permanent removal of this account from all credit bureaus and for all entities involved to cease collection, reporting, or re-furnishing activity related to this fraudulent debt.

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 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BIYING Inc
State: TX

Complaint narrative:
Subject : Urgent : Unresolved Withdrawal Delays with XXXX A Call for Accountability Dear Concerned Consumers, Financial Communities, and Advocacy Groups, I am writing to bring attention to a serious and ongoing issue with XXXX, a company that has failed to deliver on its promises regarding customer withdrawals, leaving meand potentially othersin a frustrating and unacceptable situation. I hope by sharing my experience, we can hold XXXX  accountable and prevent others from facing similar challenges. 

On XX/XX/2025, I initiated a USD withdrawal with XXXX, expecting the process to take 35 business days, as stated by their Customer Service Representative, L, in a chat on XX/XX/2025. However, this timeline was not met. On XX/XX/XXXX, I was informed that the expected completion date was XX/XX/XXXX, XXXX additional 5 working daysbringing the total wait to over a month. Despite my patience and repeated follow-ups, I received only vague responses and no clear explanation for the delay. 

Adding to the confusion, XXXX mentioned that instant and withdrawn deposits via XXXX take 34 business days, contradicting the initial timeline provided. When I expressed my concern on XX/XX/2025, at XXXX XXXX  XXXX, noting that it had been 5 business days since XX/XX/XXXX and I still hadnt received my fundsnor had I been charged for the withdrawal as advertisedLs response was dismissive. She simply reiterated the XX/XX/XXXX deadline without addressing the delay or my concerns, leaving me to wait even longer with no resolution in sight. 
This is not just a minor inconvenienceits a breach of trust. XXXX  failure to process my withdrawal in a timely manner, coupled with their inconsistent communication and lack of accountability, raises serious questions about their reliability as a financial service provider. I worry that others may be facing similar issues, stuck in a cycle of delays and excuses without access to their rightful funds. 

I am calling on the public, consumer advocacy groups, and financial communities to help shine a light on this issue. If youve experienced similar problems with XXXX, I encourage you to share your story. Together, we can demand transparency, accountability, and better customer service from companies like XXXX that handle our hard-earned money. 

I also urge XXXX  to address this matter immediatelyresolve my withdrawal without further delay, provide a clear explanation for the extended wait, and compensate affected customers for the inconvenience caused. Until then, I caution others to be wary when dealing with XXXX, as their customer service practices appear to fall far short of acceptable standards. 

Thank you for your support in raising awareness about this issue. Lets work together to ensure companies like XXXX are held accountable for their actions. 

Sincerely, Customer XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-18 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-04-18 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:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: TN

Complaint narrative:
I just checked my credit report like I normally do, and was stunned to see an unauthorized inquiry pop up out of nowhere. I hoped it was just a browser glitch, but refreshing did nothing. Im honestly beyond frustrated, and I need someone to take this seriously and check the documents I sent so I never have to stress over this 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 non-monetary relief
Consumer complaint received 2025-04-18 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: TN

Complaint narrative:
This morning, I saw some incorrect accounts on my credit report and Im unsure how they got there. I regularly check my report, but this time I found unexpected discrepancies. I even refreshed my browser thinking it might be a temporary glitch, but the errors remained. Given this, I kindly ask that you review the documents Ive submitted carefully to ensure this doesnt continue to be a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: AZ

Complaint narrative:
I don't know who they are or why they are XXXX me. If I don't answer my phone, now they are texting my friends and roommate. I never answer numbers I'm not familiar with. They have been blocked and I will block all their associated numbers. This XXXX  has gotten ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-18 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: IL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 non-monetary relief
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief