vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} NXXXX XXXX XXXX/ - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/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 explanation
Consumer complaint received 2025-07-16 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: MS

Complaint narrative:
I have contacted Experian multiple times to dispute an inaccurate collection account on my credit report. Despite my valid dispute and supporting documentation, Experian continues to report incorrect information and has not resolved the issue as required by the Fair Credit Reporting Act ( FCRA ). 

I am aware the CFPB has recently sued Experian for failing to conduct proper investigations and re-inserting inaccurate data. My experience aligns with this behavior. I am requesting that the CFPB intervene to ensure this account is corrected or removed from my credit file and that Experian is held accountable for noncompliance.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ). The creditors failure to reflect properly on a statement a payment made by obligir or a credit issued to the obligir.

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 2025-07-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: CA

Complaint narrative:
This is the second or third instance in which I have tried to recover my cash.app account following the theft of my phone, or at least stop transactions from occurring en masse from it. When this occurs I can usually only access the internet from the library, which does not provide for an option to call by telephone, which is one of the two methods upon which cash.app clients reply upon to contact support ; the other is to use the chat, which requires utilization from within the app, and is thus prohibitory to the usage of a library desktop computer. This disbarment from contacting support has allowed XXXX XXXX XXXX ( of XXXX XXXX XXXX, XXXX XXXX, CA ) as well as his co-defendants ( such as XXXX XXXX, of XXXX XXXX, XXXX, CA XXXX ) to XXXX no less than 13 accounts on cash.app alone from me over the last 4 years ; the individuals with the help of XXXX XXXX and XXXX XXXX ( XXXX XXXX, of XXXX, CA as well as XXXX XXXX, CA and Oregon ) to steal the access and control of : XXXX accounts ( one joint opened in my and XXXX XXXX XXXX names, however funded by me alone -- stolen on XXXX XXXX, XXXX, and one held by myself alone ), XXXX XXXX XXXX accounts and 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 accounts and one credit card, XXXX XXXX XXXX  accounts and 1+ credit card as well as XXXX XXXX XXXX Coinbase accounts, XXXX XXXX XXXX Account, XXXX XXXX  account, XXXX XXXX account, XXXX XXXX Accounts ( opened under the name XXXX XXXX XXXX -- also with a XXXX account XXXX XXXX XXXX XXXX XXXX Accounts and XXXX XXXX XXXX XXXX XXXX account ( with several others ), XXXX XXXX  XXXX XXXX  cards Most accounts were in the name XXXX XXXX or originated from funds derived from an account held by . Others were in my first alias, held and used since XXXX, XXXX XXXX XXXX, others were under my XXXX  XXXX XXXX and XXXX XXXX, or my companies, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX 's XXXX or, my current legal name through common use name change -- Rev. XXXX XXXX XXXX XXXX. Others were changed from my name to names considered under my fiduciary control, such as XXXX XXXX, XXXX and / or XXXX XXXX. 

I'd like a formal investigation opened into all the listed names and companies, and to be contacted by email to give several, sworn declarations for such investigations due to the potential tax / electoral liabilities from the continued theft of my identity, XXXX. XXXX XXXX XXXX XXXX ( XXXX ID # XXXX ) born / XXXX  XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
I am disputing a collection account reported by Credit Collection Services for an alleged XXXX balance of {$260.00}. The account includes invalid date entries, incomplete data, and has never been validated. I sent a formal debt validation request under FDCPA 1692g ( b ), but I have not received any supporting documentation. 

Additionally, on Saturday XXXX XXXX, XXXX or CCS attempted to charge my card for {$200.00} without any authorization, which I documented with a declined transaction screenshot. This is a potential violation of FDCPA 1692e ( 2 ) ( A ) for unfair collection practices.

I have disputed this account with XXXX  and XXXX  under FCRA 1681i and 1681e ( b ), and I am requesting that this debt be fully validated or deleted from all credit reporting agencies. If validation can not be provided, I am requesting immediate deletion of this account and cessation of all collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-07-16 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
MY CREDIT CARD COMPANY TRIED SAYING I WAS 30 DAYS LATE WHICH I WAS NOT! I MADE THE MINIMUM PAYMENT FOR THAT MONTH!! I WROTE LETTERS TO THE COMPANY, DISPUTED THE REPORT AND STILL NO REPLIES!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
The late payment listed is not consistent with my record of prompt payments. I request it be deleted from my credit profile.

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 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sparrow Financial, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Fraudulent Information under 15 U.S.C. 1681c2 To Whom It May Concern : I am writing to formally dispute and request the removal of fraudulent and inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c2.

This section grants me the right to have information resulting from identity theft or unauthorized activity blocked from my credit file. I have identified the following items on my credit report that I did not authorize and believe to be the result of identity theft or error : Creditor Name : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX 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 Account Number : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Reported Balance : {$9400.00}, {$3300.00}, {$1000.00}, {$0.00}, {$850.00}, {$450.00}, {$31000.00}, {$1000.00}, {$390.00}, {$930.00}, {$660.00}, {$670.00}, {$740.00} Date Opened : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Reason for Dispute : This account was opened fraudulently and without my knowledge or consent. 
In support of this request, I am providing the following documentation as required under 15 U.S.C. 1681c2 : A copy of a valid government-issued photo ID Proof of residence ( e.g., utility bill, lease agreement ) A copy of the police report or identity theft affidavit Please conduct an investigation into these matters, and as required by federal law, block this fraudulent information from appearing on my credit report. I request written confirmation once the disputed information has been removed. 
Thank you for your prompt attention to this matter. I look forward to your response within the 30-day timeframe as required by the FCRA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for reporting incomplete and inaccurate information regarding my XXXX XXXX XXXX Secured Card account ( Account Number : XXXX ). 

This account was opened on XX/XX/year>. While I never activated the card, XXXX XXXX XXXX began reporting its presence on my credit file. Subsequently, XXXX closed the account ( 'Account closed at credit grantor 's request ' ) without my consent or request.

The primary inaccuracy is the incomplete reporting of payment history for this account across different bureaus. My Experian report, for instance, shows limited history. However, my Equifax credit report for this same Suncoast Secured Card account contains a more complete payment history from its open date.

The Fair Credit Reporting Act ( FCRA ) requires that information furnished by creditors and reported by credit bureaus be accurate and complete. The inconsistent and incomplete reporting by Experian and TransUnion ( compared to Equifax ) is misleading and directly harms my credit score by unjustly shortening my average age of accounts and reducing the positive impact this tradeline should have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX, SSN:XXXX DOB XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605b ( 15 U.S.C 1681C-2 ) That XXXX  credit reporting agency , XXXX  reporting agency and Transunion agency , to block this information within 4 business days of you receiving this complaint. This false information, fradulent information, and inaccurate information consist of a personal credit card opened at XXXX XXXX XXXX  XXXX on XXXX under the account number XXXX, a credit card opened XXXX at XXXX  XXXX XXXX under the account number XXXX, a credit card opened at XXXX XXXX  on XXXX under the account number XXXX with a balance of XXXX XXXX These accounts have resulted in fraudulent hard inquires and fraudulent collections appearing on my XXXX credit report. I do not recognize the accounts, collections, or hard inquires as reported. These accounts, collections, and hard inquires, on my consumer credit report weren't open or initiated by me. All of the aforementioned hard inquires, accounts and collections are the result of identity theft and fraud. I have a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the collections, credit accounts, and hard inquires 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 non-monetary relief
Consumer complaint received 2025-07-16 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX VA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/scrub>/2020, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXXXXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$370.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} INQUIRIES : XXXX XXXX XXXXXXXX Date : 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 2025-07-16 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: GA

Complaint narrative:
The XXXX XXXX XXXX, XXXX XXXX is reporting to Experian and Transunion that I owe {$19000.00}. I have respectfully disputed this inaccuracy for XXXX years, asking for the credit bureaus to have XXXX perform and investigation of the resale and to update my credit report with the correct balance after the car was resold. Each time the credit bureau respond ; they respond XXXX validated this is the correct amount. Equifax was the only responsible credit bureau that did perform their due diligence and removed the account due to the inaccurate information. 

On XX/XX/XXXX, I contacted the car dealership I purchased the car from and explained the issue I was having with XXXX. They kindly pulled up my purchase from XXXX and showed me the data from when the car was sold and what dealership purchased the car. 

I am kindly and respectfully asking CFPB to investigate this inaccurate reporting on my credit report from XXXX XXXX XXXX. I am asking for this information to be completely removed or updated to the accurate amount if they are able to contact XXXX XXXX XXXX in XXXX ; GA from Experian and Transunuion.

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