vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 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: CA

Complaint narrative:
A formal dispute of several inaccurate, unauthorized, or fraudulent entries currently listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I request that you initiate a reinvestigation of the items listed below and remove them within the 30-day timeframe as required by federal law. 
After reviewing my report, I identified multiple issues that do not accurately reflect my credit history and are negatively impacting my score. These accounts and inquiries were not authorized by me and are the result of identity theft or misreporting. 
SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$31000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$340.00} XXXX  XX/XX/year>

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 2025-08-23 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:
A formal dispute of several inaccurate, unauthorized, or fraudulent entries currently listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I request that you initiate a reinvestigation of the items listed below and remove them within the 30-day timeframe as required by federal law. 
After reviewing my report, I identified multiple issues that do not accurately reflect my credit history and are negatively impacting my score. These accounts and inquiries were not authorized by me and are the result of identity theft or misreporting. 
SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$31000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$340.00} XXXX  XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: PA

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

XXXX XXXX ACCOUNT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: AR

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in 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.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Grow Credit Inc
State: NY

Complaint narrative:
Grow credit left me with a balance on my credit report for {$11.00} with note ( Past due : {$11.00} Collection/ Chargeoff ) I would like to seek help in this situation due to the fact that I want this to me cleared of my credit report due to this app being used unexpected tha k you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I decided to check my XXXX XXXX  and see if there was any inquiries. Don't plan on opening any bank accounts. Already have some, and I noticed all these inquiries of XXXX XXXX and from experian, TransUnion, and they allow these companies to go put their inquiries in my XXXX XXXX  and then I look into my experion, and they're there too I never told them to do that. I opted out all the services and I put a freeze on my experian. I als also put complaints to experian and XXXX XXXX and they did absolutely nothing, and they allowed that to happen

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 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I had a cash app account and for some reason it was closed down they did not give me a specific reason describing why they shut my account down only a very vague one that's a general letter they send everyone and when I tried to dispute it did not work it's been about XXXX or XXXX years now and I keep trying to reopen new ones or that one and they still will not allow me anytime I enter my information the account immediately shuts down they offer me no way to fix it or get a new one I don't understand what's wrong or what I did wrong and I can never get a hold of a actual person always automated system

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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 XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : TransUnion Consumer Solutions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Debt Validation & Verification Request Collection Accounts To Whom It May Concern, I am formally disputing and requesting full debt validation and verification for the following collection accounts that are being reported on my credit profile : XXXX XXXX Acct # XXXX Collection {$5600.00} Credit Collection Acct # XXXX Collection {$140.00} XXXX Funding Acct # XXXX Collection {$460.00} XXXX Funding Acct # XXXX Collection {$1200.00} XXXXXXXX XXXX Acct # XXXX Collection {$950.00} XXXX Credit Acct XXXX XXXX Collection {$620.00} XXXX XXXX XXXX XXXX XXXXXXXX Collection {$970.00} My Rights Under Federal Law FCRA ( 15 U.S.C. 1681i & 1681s-2 ) You are required to ensure the accuracy and completeness of information being reported. Automated e-OSCAR responses or unverifiable records do not meet the standard of proper verification.

FDCPA ( 15 U.S.C. 809 ( b ) ) Debt collectors must provide proper validation of the debt upon request, including but not limited to : The original signed contract or application showing I agreed to the debt. 
The full itemized account history ( charges, payments, interest, and fees ). 
The chain of title / assignment proving legal transfer from the original creditor to the current collector. 
The security contract ( if any ) that establishes collateral or terms tied to the debt. 
The flow sheet documenting the accounts internal handling and transfers. 
Proof that the collector has the legal right to collect in my state. 
My Demand Unless you can provide the above documentation for each account within 30 days, these accounts must be deleted from my TransUnion credit report immediately. 
Failure to comply will result in : Complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX  Attorney Generals Office. 
Consideration of civil action for damages under FCRA 616617 and FDCPA 813. 
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 2025-08-23 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 submitting this follow-up complaint regarding inaccurate and outdated address information that continues to appear on my credit reports with Experian, Equifax, and TransUnion. Despite my previous disputes, the following addresses remain improperly listed : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX incorrectly listed as current TransUnion:XXXX XXXX XXXX XXXX XXXX XXXX XXXX incorrectly listed as current. These addresses are no longer valid and misrepresent my personal identity and reporting profile. I have formally requested their deletion and provided my correct address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Under FCRA Section 611 ( a ) ( 1 ) ( A ), credit bureaus are required to conduct a reasonable investigation of disputed information and ensure only accurate, verified information is reported. The continued presence of these inaccurate addresses indicates that proper reinvestigation has not been conducted. These errors pose a risk of mistaken identity and compromise the accuracy of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am contacting you because, upon a recent and careful review of my credit report, I was alarmed to discover several accounts containing inaccurate, incomplete, or misleading information that does not reflect my true credit history. These inaccuracies include accounts reported as late open, late closed, and charge offs, all of which negatively impact my creditworthiness and financial standing. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that I believe is incorrect or unverifiable. Therefore, I am formally requesting that you conduct a full and thorough reinvestigation of these accounts to verify their accuracy and legitimacy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

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 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
Identity theft, there was a hard enquiry alert on my experian account for opening a new credit card on my name. Capital One NA was the name of the bank that showed up on report. 

I left XXXX back in XXXX  and have never lived in XXXX since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: FL

Complaint narrative:
have been a victim of identity theft, which has unfairly damaged my credit profile. This situation has caused me stress and concern because my credit report does not reflect the reality of my finances. I am asking the FTC to investigate these matters, ensure they are corrected, and confirm that any inaccurate or unverifiable information is removed. I want my credit report to tell the true story of my financial responsibility.Late Close : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-23 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:
have been a victim of identity theft, which has unfairly damaged my credit profile. This situation has caused me stress and concern because my credit report does not reflect the reality of my finances. I am asking the FTC to investigate these matters, ensure they are corrected, and confirm that any inaccurate or unverifiable information is removed. I want my credit report to tell the true story of my financial responsibility.Late Close : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-23 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:
I am submitting this letter as a formal dispute regarding inaccurate personal information currently listed on my Equifax credit report. Specifically, my name and address are reported incorrectly. The correct information is as follows : Inaccurate address:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Inaccurate Name : XXXX XXXX, XXXX XXXX. The inaccurate reporting of my personal identifying information is a violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 607 ( b ) Obligation of credit bureaus to follow reasonable procedures to ensure maximum possible accuracy. FCRA 609 ( a ) ( 1 ) Right to obtain disclosure of all information in my credit file. FCRA 611 ( 15 U.S.C. 1681i ) Right to dispute and request reinvestigation of inaccurate information.Under FCRA 611, TransUnion, Equifax, Experian must correct information that can not be verified. Under FCRA 623 ( a ) ( 2 ), furnishers must ensure the accuracy of their 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 2025-08-23 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: FL

Complaint narrative:
I am filing a complaint under my rights provided by the Fair Credit Reporting Act ( FCRA ) to dispute several items currently appearing on my credit file. These items are either inaccurate, unverifiable, or reported in violation of federal law and must be corrected or removed.

Charge-Off Accounts Over {$600.00} Without IRS Form 1099-C The following charge-off accounts are being reported without evidence of an IRS Form 1099-C. According to IRS regulations, when a creditor cancels or forgives a debt of {$600.00} or more, they are required to issue Form 1099-C to the consumer and the IRS. The absence of this form indicates the debt has not been formally forgiven, making continued negative reporting misleading and inaccurate. This violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$2600.00} XXXX I request deletion or correction of these accounts unless proper verification and a copy of the IRS Form 1099-C are provided.

The following account is not mine and is the result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$300.00} * * Under FCRA 605B / 15 U.S.C. 1681c-2, credit reporting agencies are required to block and remove accounts that result from identity theft once disputed by the consumer. I demand this account be deleted immediately in compliance with federal law.

Unauthorized Inquiries My credit file also reflects several inquiries for which I did not provide authorization or permissible purpose. Under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), consumer reports may only be obtained for specific permissible purposes, and under FCRA 619 15 U.S.C. 1681q, it is unlawful to obtain a report under false pretenses. Please remove the following inquiries from my file 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