vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-02 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
I ask cash app to stop the transfer of the money going to the card that I was told to add to the account at the time of the scammer play as a XXXX XXXX  member using my cash app as a 2 party for verification asked me to add a card they had given me over the phone to add the amount of {$660.00} cent to and then transfer all the money in my cash app to the card then they had me remove the card after the process was done I was never contacted back they hung up on it and it start by them calling me and told me I had a customer complaint about me speeding and smelling of achol and I do not drink I told them that and told them I would do a sobriety test and I would call the police they so no need we will do a investigation now after they where dont that when they had me do the money transfers from my bank to my cash app the. To the card they provided me with I do not remember the card very well but I would like to put a stop to this and try to get my rent money back Im very scared and about to be homeless now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-06-02 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:
LEGAL DEMAND FOR ACTION IN 15 DAYS : I did not authorize these inquiries, phone numbers, addresses, or the above account and demand : Immediate deletion of all unauthorized hard inquiries from my credit file.

Permanent blocking of the XXXX XXXX XXXX account ending in XXXX. 

Permanent removal of all telephone numbers listed above.

Permanent removal of all addresses listed above.

Permanent removal of the unauthorized employer listed above.

Written confirmation of all deletions within 15 calendar days of your receipt of this letter.

Per FCRA 604 ( a ) ( 3 ), no hard inquiry or account may be reported without consumer consent or a valid business purpose. I require you to provide, per FCRA 609 ( a ) ( 1 ) : The name of each party who requested the inquiry or placed the account, The method of verification, Any signed documentation or contracts proving my authorization.

Under UCC 3-501, I demand proof of original, signed authorization contracts. Under UCC 1-308, I reserve all rights without prejudice. Under Arizona law, you are obligated to act in good faith and prevent consumer fraud. Failure to comply within the 15-day window will result in : Formal complaints to the CFPB, FTC, and the Arizona Attorney General. Civil action under 15 U.S. Code 1681n & 1681o for willful or negligent noncompliance. Demand for statutory damages, attorney fees, and removal injunction. CREDIT FILE STATUS FRAUD VICTIM REMOVE IMMEDIATELY FROM
EQUIFAX REPORT : I am demanding the immediate removal of the status flag : Credit File Status : Fraud Victim ( associated with trade ) from my Equifax credit report. This label is misleading, defamatory, and creates unnecessary alarm for creditors and financial institutions. I did not authorize or request this designation to be placed on my file and I demand that it be permanently removed immediately.

This designation negatively impacts my ability to obtain credit, insurance, and employment and does not reflect the current or accurate status of my credit file.

Pursuant to : FCRA 611 ( 15 U.S.C. 1681i ) Duty to reinvestigate inaccurate information FCRA 605B Block of information resulting from identity theft Arizona Revised Statutes 44-1694 UCC 1-308 Reservation of rights You are required to remove any fraudulent, inaccurate, or misrepresentative status or indicator, and issue a written statement confirming the deletion within 15 calendar days. Failure to comply will result in immediate legal escalation, as stated above. All Rights Reserved, Without Prejudice.

UCC 1-308 UCC 3-501 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 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: CITIBANK, N.A.
State: WA

Complaint narrative:
On XXXX, I initiated a dispute via XXXX, for a toll bridge charge of {$13.00} by XXXX XXXX XXXX XXXX claimed that I crossed the bridge with my rental car on XXXX, even though I was nowhere near the bridge at the time. I tried to resolve this with XXXX first, but in vain. Therefore on XXXX, I disputed this charge via XXXX. In my dispute, I included details of my communication with XXXX, and I explained that the toll charge was a mistake because I never used the bridge. However, Citi closed my case within minutes, with the reason that "... Since the additional charge was incurred while the vehicle was in your possession, we consider it to be valid. '' Prior to this, I had never experienced credit card companies closing a dispute without even sending it to the merchant. Clearly, Citi didn't even read the information I included in my dispute. As far as I know, they had no rights acting like a judge in credit card disputes.

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 2025-06-02 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I contacted XXXX XXXX XXXX in an attempt to address and resolve these discrepancies, requesting that they verify the information and correct any inaccuracies. Despite my efforts, I have not received a satisfactory response or proper documentation. This failure to respond and resolve the dispute within a reasonable timeframe is concerning and inconsistent with federal consumer protection standards under FCRA Section 611. Additionally, I believe the companys communication regarding billing, payment obligations, and account servicing lacks the transparency required under federal law. This has caused confusion, financial stress, and harm to my credit standing through no fault of my own. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: MS

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized heart inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my credit report. This issue is causing undue stress, and it's negatively affecting my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion credit bureau is continuing to report fraudulent accounts and not allowing me access to my own credit report. It has been more than 60 days since Ive been able to see a report on their website or receive one via mail. There are multiple inaccuracies of fraudulent accounts reporting I submit an FTC report my ID as well as proof of address with no resolve

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 2025-06-02 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: MS

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized heart inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my credit report. This issue is causing undue stress, and it's negatively affecting my financial standing.

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 2025-06-02 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: MS

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized heart inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my credit report. This issue is causing undue stress, and it's negatively affecting my financial standing.

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 2025-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I rented an apartment at XXXX XXXX Apartments under a one-year lease that ended in XX/XX/XXXX. Upon moving out, I cleaned the unit, repaired normal wear and tear, returned all keys, and provided updated contact information. I received no further communication at any point from XXXX XXXX Apartments after this move-out date, around XX/XX/XXXX. 

On XX/XX/XXXX, I was contacted for the first time by National Credit Systems ( XXXX ), who claimed I owed {$3100.00} for " Damages '' and said the account had already been sent to collections. They provided only a balance sheet and no explanation, itemized charges, or evidence of damages. I was never contacted by XXXX XXXX Apartments regarding the claimed damages prior to contact by National Credit Systems. 

I disputed the debt by phone on XX/XX/XXXX and in writing via certified mail that was delivered on XX/XX/XXXX. I requested supporting documentation, including photos of any damage, work orders, and invoices, but XXXX continued contacting me by phone and email ( on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) without providing any of the requested information. Their only response was a repeated copy of the same balance sheet and after reception of my certified letter of dispute, an email stating their internal review upheld the charges. 

I also disputed the account with the credit bureaus. TransUnion removed the account from my credit report due to lack of verification. Equifax removed a duplicate account that was filed illegitimately, and I have an ongoing dispute with the account that remains posted, as well as an ongoing dispute with Experian. 

I believe this debt was reported and pursued without proper notice, documentation, or compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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 have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX acct # XXXX, US DEPT OF EDXXXX acct XXXX XXXX, US DEPT OF EDXXXX acct # XXXX, US DEPT OF EDXXXX acct # XXXX, US DEPT OF EDXXXX acct XXXX XXXX, US DEPT OF EDXXXX acct # XXXX, BANKRUPTCY XXXX XXXXDISMISSED ref # 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 2025-06-02 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX acct # XXXX, US DEPT OF EDXXXX acct XXXX XXXX, US DEPT OF EDXXXX acct # XXXX, US DEPT OF EDXXXX acct # XXXX, US DEPT OF EDXXXX acct XXXX XXXX, US DEPT OF EDXXXX acct # XXXX, BANKRUPTCY XXXX XXXXDISMISSED ref # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX XXXX breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Inquiries 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 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 2025-06-02 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-06-02 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: CO

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, an unauthorized {$500.00} transaction was made from my PayPal account. I do not know the vendor who charged it. I reported this to PayPal and the complaint was immediately dismissed due to it being " consistent with your PayPal payment history ''. The next day, I appealed the decision by phone and it was again dismissed for the same reason. I have also disputed this with my financial institution as a fraudulent charge and also filed a complaint with XXXX. PayPal allowed a third party to access my financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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