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

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-08-10 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: AL

Complaint narrative:
Between XXXX and XXXX, multiple accounts were reported on my credit file as charged-off, in collections, or with negative payment history, as well as several hard inquiries from lenders. 

The listed accounts include : XXXX XXXX charged off in XX/XX/XXXX for {$18000.00}. 
XXXX XXXX charged off in XX/XX/XXXX for {$590.00}. 
XXXX XXXX XXXX XXXX charged off in XX/XX/XXXX for {$15000.00}. 
XXXX XXXX  XXXX I two collection accounts ( {$300.00} and {$120.00} ) reported between XXXX and XXXX. 
XXXX XXXX XXXXXXXX XXXX collection account for {$120.00} reported XX/XX/XXXX. 
XXXX XXXX XXXX collection account for {$2000.00} reported XX/XX/XXXX. 
XXXX XXXX  collection account for {$2000.00} reported XX/XX/XXXX. 
Dept of Education XXXX XXXX multiple student loan accounts with late payment history from XXXX. 
XXXX XXXX XXXX collection account reported XX/XX/XXXX. 
XXXX XXXX XXXX collection account reported XX/XX/XXXX. 
Hard inquiries from the following lenders also appear on my credit file and are disputed : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX 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 I dispute the accuracy and completeness of the above information. The data provided by furnishers is inaccurate, incomplete, and/or unverifiable. According to the FCRA, Section 605 ( b ), it is unlawful to report information on my credit file without my permission. I have contacted the credit reporting agencies to request removal of these items, but they remain.

I am requesting that these negative accounts and inquiries be removed from my credit file and that my report be corrected to reflect only accurate and verifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: AL

Complaint narrative:
Between XXXX and XXXX, multiple accounts were reported on my credit file as charged-off, in collections, or with negative payment history, as well as several hard inquiries from lenders. 

The listed accounts include : XXXX XXXX charged off in XX/XX/XXXX for {$18000.00}. 
XXXX XXXX charged off in XX/XX/XXXX for {$590.00}. 
XXXX XXXX XXXX XXXX charged off in XX/XX/XXXX for {$15000.00}. 
XXXX XXXX  XXXX I two collection accounts ( {$300.00} and {$120.00} ) reported between XXXX and XXXX. 
XXXX XXXX XXXXXXXX XXXX collection account for {$120.00} reported XX/XX/XXXX. 
XXXX XXXX XXXX collection account for {$2000.00} reported XX/XX/XXXX. 
XXXX XXXX  collection account for {$2000.00} reported XX/XX/XXXX. 
Dept of Education XXXX XXXX multiple student loan accounts with late payment history from XXXX. 
XXXX XXXX XXXX collection account reported XX/XX/XXXX. 
XXXX XXXX XXXX collection account reported XX/XX/XXXX. 
Hard inquiries from the following lenders also appear on my credit file and are disputed : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX 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 I dispute the accuracy and completeness of the above information. The data provided by furnishers is inaccurate, incomplete, and/or unverifiable. According to the FCRA, Section 605 ( b ), it is unlawful to report information on my credit file without my permission. I have contacted the credit reporting agencies to request removal of these items, but they remain.

I am requesting that these negative accounts and inquiries be removed from my credit file and that my report be corrected to reflect only accurate and verifiable information.

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 2025-08-11 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Re : Request for Full Documentation under 15 U.S.C. 1681g ( FCRA Section 609 ) Account Number : [ Insert Account Number ] Dear XXXX XXXX XXXX  This letter is a formal request under the Fair Credit Reporting Act ( 15 U.S.C. 1681g, Section 609 ) for you to provide all documentation and records in your possession that verify the accuracy and legitimacy of the above-referenced account. This includes, but is not limited to : 1. A copy of the original signed credit application or contract.

2. Complete payment history, including all charges, fees, and interest applied.

3. Any statements or correspondence sent to me regarding the account.

4. The name and address of the original creditor ( if different from you ). 
If you are unable to provide these records within the legally required time frame, you must immediately cease all collection activity and request the removal of this account from all consumer reporting agencies, as its continued reporting without proper verification constitutes a violation of the FCRA. 
Please note that under the FCRA, failure to respond adequately to this request may result in my pursuing all remedies available to me under federal law, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and state authorities. 
I expect your full compliance and written response within 30 days of receipt of this letter. Please send all requested documentation to my address listed above. 
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 2025-08-11 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: CO

Complaint narrative:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/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 2025-08-11 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$24000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX 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 2025-08-11 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:
To Whom It May Concern, This letter serves as a formal and final demand to immediately and permanently remove the fraudulent XXXX account # XXXX from my credit report. This account is not mine and is the result of identity theft. I have taken the following legal actions : Filed a Federal Trade Commission Identity Theft Report pursuant to 15 U.S.C. 1681c-2, which requires you to block fraudulent information within 4 business days of receiving proper identity theft documentation. 


Notified law enforcement and provided proof of the criminal nature of this account. Retained legal counsel prepared to pursue all available remedies under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. Under the FCRA, you are legally required to : XXXXlock fraudulent information from appearing on my credit file within 2 business days of receiving this identity theft documentation, as mandated by 15 U.S.C. 1681c-2. Conduct a reasonable investigation into my dispute and correct or remove inaccurate information within 30 days under 15 U.S.C. 1681i. Maintain reasonable procedures to ensure the accuracy and integrity of my credit report under 15 U.S.C. 1681e ( b ). Cease reporting information known to be false or disputed due to identity theft under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) & ( B ).

Provide me with full disclosure of all information in my credit file and its sources under 15 U.S.C. 1681g. Your continued reporting of this fraudulent account, despite receipt of identity theft documentation and formal dispute, constitutes : Willful noncompliance with the FCRA under 15 U.S.C. 1681n, exposing you to statutory damages up to {$1000.00} per violation, punitive damages, and attorneys fees. And/or negligent noncompliance under 15 U.S.C. 1681o, subjecting you to liability for actual damages and attorneys fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Herbert P. Sears Co., Inc.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Florida, XXXX XX/XX/year> HP SEARS XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Cease and Desist Account # XXXX To Whom It May Concern : Pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), I am hereby requesting that you cease all communication with me about the alleged debt referenced above. 

This request applies to all contact via telephone, email, mail, or any other means, to me or to my place of employment. 

If you believe you have a legitimate legal claim against me, you may notify me of your intent to pursue that claim. Otherwise, do not contact me again.

Failure to comply with this request will be considered a violation of federal law and may result in a complaint to the Federal Trade Commission and the Consumer Financial Protection Bureau. 

Sincerely, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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 just recently looked at my credit report on XX/XX/year>, I saw some hard inquiries that did not have permissible purpose. ( 1 ) XXXX  ON XX/XX/year>, THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT DELETE THIS INQUIRY DUE TO VIOLATION OF 15 USC 1681B ( 2 ) XXXX XXXX XXXX  ON XX/XX/year> .this inquiry has no permissible purpose to be on my report Delete this inquiry due to violation of 15 USC 1681B ( 3 ) XXXX XXXX on XX/XX/year> THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT DELETE THIS INQUIRY DUE TO VIOLATION OF 15 USC 1681B ( 4 ) XXXX XXXX ON XX/XX/year>. THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT DELETE THIS INQUIRY DUE TO VIOLATION OF 15 USC 168. ( 5 ) XXXX ON XX/XX/year> THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT DELETE THIS INQUIRY DUE TO VIOLATION OF 15 USC 1681B ( 6 ) THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT DELETE THIS INQUIRY DUE TO VIOLATION OF 15 USC 1681B ( 7 ) XXXX XXXX  ON XXXX. THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT DELETE THIS INQUIRY DUE TO VIOLATION OF 15 USC 16181B

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
These inquiries are not recognized. I have not applied to any of these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-10 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: IL

Complaint narrative:
These inquiries are not recognized. I have not applied to any of these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Penfed Credit Union on XXXX, XXXX under the account number ( private ), a personal loan account opened at Pentagon Federal Credit Union on XXXX, XXXX under the account number ( private ), and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of XXXX ( private ) that appears related to the aforementioned personal loan account opened at Pentagon Federal Credit Union. 
A personal credit line with XXXXXXXX XXXXk XXXX, XXXX account number ( private ). 
A rental lease with XXXX XXXX on XXXX, XXXX account number ( private ). 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. Further these accounts are now considered in litigation. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-11 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year> I was notified via four emails that XXXX points had been removed from my Chase Sapphire XXXX  account ( ending in XXXX ) and converted into XXXX {$200.00} XXXX gift cards. I did not request nor did I want gift cards. I immediately contacted Chase Sapphire XXXX  Customer Service and I was assured that the gift cards would be cancelled and that the XXXX points would be reinstated while they investigated the fraud. That evening, I cancelled my credit card, ordered a new card and changed my username and password. Believing they were fraudulent and possibly malicious, I moved the emails into my spam folder. Later these emails we deleted either automatically or by me inadvertently. 

On XX/XX/year>, I was surprised to receive a letter dated XX/XX/year>XXXX  stating We completed our review and determined you are responsible for XXXX total points redeemed between XXXX and XXXX, XXXX. '' I immediately contacted Chase Sapphire XXXX Customer Service and was told they couldnt help and directed me to Chase Fraud Services. I contacted Chase Fraud Services and the representative agreed to submit my claim for re-evaluation. But on XX/XX/year> I was contacted by a representative from Chase Fraud Department who reiterated that I was responsible for the for XXXX points redeemed. I explained again that I did not request nor did I want the gift cards. As they were firm in their position, I decide to cancel my Chase Sapphire XXXX Credit Card. 

I am disappointed with Chase for stripping away XXXX points from my account without my consent. The points have a value of {$800.00}.

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

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/year>, I purchased an online course from XXXX XXXX XXXX XXXX through XXXX XXXX XXXX  ( Order # XXXX ). The merchant misrepresented the productit is not an educational course but a pyramid-style recruitment scheme, where the primary activity is selling the same course to others. I filed a dispute with XXXX XXXX explaining this was deceptive and fraudulent. 

Despite my complaint, XXXX XXXX sided with the merchant and refused to reverse the charge. My account is now frozen, and XXXX XXXX continues to demand {$520.00} for a fraudulent product. Their inaction enables the merchant to continue deceptive practices in violation of the FTC Act and state consumer laws. 

I am requesting that XXXX XXXX reverse the charge, remove the debt from my account, and unfreeze my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
I am submitting this formal complaint against Experian for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Experian with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXX, which XXXX XXXX  confirmed would be removed but remains on my report ; XXXXXXXX XXXXXXXX XXXX; and XXXX XXXX XXXXXXXX all of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Experians refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm.

For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>2025, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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