vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per XXXXXXXX XXXX XXXX ( a ) ( XXXX ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within XXXX days. Furthermore, under XXXX XXXX. 
XXXX ( a ) ( XXXX ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that Experian : XXXX. Conduct a thorough reinvestigation of the following disputed accounts or items ( XXXX XXXX XXXX ). 

XXXX. Provide me with all documentation used to verify the accuracy of the disputed information XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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 filing a formal complaint against Experian for their repeated violations of the Fair Credit Reporting Act ( FCRA ) and their continued reporting of fraudulent and inaccurate data even after I submitted an official FTC Identity Theft Report. 

Despite my multiple disputes and documented proof, Experian has reinserted XXXX previously removed fraudulent accounts : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX These accounts were removed on or around XX/XX/year>, and then reinserted without notifying me, in direct violation of FCRA XXXX XXXX XXXX XXXXXXXX ( a ) ( XXXX ) ( B ). I was not mailed a reinsertion notice nor provided the method of verification, which is required by law. 

Additionally, the XXXX XXXX XXXX XXXX account was charged off and a XXXX was issued, indicating the debt was canceled under IRS XXXX XXXX. Despite this, Experian continues to report the account, violating both IRS regulations and FCRA XXXX ( b ) ( requirement to report with maximum possible accuracy ). 

Experian is also failing to delete fraudulent addresses that were tied to the identity theft and do These addresses were clearly reported in my FTC Identity Theft Report. Keeping them on my credit profile violates FCRA XXXX ( XXXX XXXX XXXXXXXX ) and XXXX ( b ). 

This situation is causing severe emotional and financial stress. I have reason to believe my credit file has been cross-linked or mixed with another individual. My consumer rights are being trampled, and Experians gross negligence is interfering with my ability to live, work, and function financially.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax you are reporting XXXX XXXX on my credit report BUT when I go to dispute it, it does not show up so I can dispute it .You are falsely reporting this account as per XXXX  enclosed you can see there is NO account according to the CFPB response from XXXX XXXX REMOVE account any account that is related to it at once. you have 48 hours to remove it forever Respond back through the CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Im reaching out because I recently reviewed my credit report and noticed some accounts listed that I never opened or authorized. Ive never had any dealings with these companies, and seeing them show up on my report was both confusing and alarming. Just to be clearthese accounts are not mine. I didnt open them, I didnt give anyone permission to use my information, and I have no connection to them whatsoever. It seems like my personal information may have been used without my knowledge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Recovery Solutions, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX I was contacted by asset recovery solutions about a debt with capital XXXX. I asked for something in writing about the debt and I was told something was mailed on the XXXX. I Advised the caller that I wanted to exercise my rights under the FDCPA and get a verification of the debt. I was again contacted by Asset recovery solutions on XX/XX/XXXX, threatened with legal action. I asked for a letter and verification of the debt and all this company wanted was my email address. I advised these unprofessional debt collectors that I will not make any payment arrangements until I see something in writing concerning the debt. I told them I wanted something mailed and they just threatened legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Unifin Inc.
State: GA

Complaint narrative:
I requested debt Validation after receiving a letter in an attempt to collect a debt from UNIFIN.

1 ) The full name of the Original creditor 2 ) The amount of the original debt and any interest or fees added.

3 ) A copy of the original contract or agreement, or any other documentation that proves I owe this debt.

4 ) A complete transaction history for alleged debt.

5 ) Any judgement or legal order related to the debt, if applicable.

6 ) The purchase agreement/chain of custody.

Please note that until this debt is validated, I request that you cease any further collection activities including reporting this alleged debt to credit reporting agencies as required by the FDCPA. if you are unable to provide sufficient documentation, I expect this matter to be considered resolved and the account should be marked as 'disputed ' in your records. if you fail to validate the debt within the CFPB timeframe, I will consider the matter closed and will pursue all available legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
HELLO MY NAME IS XXXX XXXX, I AM WRITING THIS COMPLAINT BECAUSE I MADE A CLAIM FOR THE LOSS OF MY CREDIT CARD AND I REPORTED MULTIPLE TRANSACTIONS MADE IN A FRAUDULENT WAY, I PREVIOUSLY MADE THIS COMPLAINT BECAUSE THE BANK GAVE ME THE TEMPORARY CREDITS 4 TIMES AND ALSO DEBITED ME 4 TIMES THE SAME TEMPORARY CREDITS, IN THE END I NEVER RECEIVED THOSE CREDITS PERMANENTLY, IN THE SAME WAY THEY GAVE THEM TO ME THE SAME DAY THEY TOOK THEM AWAY, I DO NOT KNOW IF IT WAS AN ERROR OF THE AGENT WHO IS IN CHARGE OF THE CASE BUT IT IS IMPORTANT THAT MY ACCOUNT RECEIVES ATTENTION IMMEDIATELY, I HAVE ALREADY CALLED THE BANK SEVERAL TIMES TO TALK ABOUT THIS ISSUE, AND THE BANK TELLS ME THAT IN 24 TO 48 DAYS I WILL SEE THE CREDITS IN MY ACCOUNT, BUT THAT IS A LIE, I NEVER RECEIVE THOSE CREDITS, I HAVE ALSO ASKED ALL THE AGENTS I HAVE SPOKEN TO TO LEAVE NOTES ON THE SUBJECT BEING DISCUSSED SINCE THERE ARE SEVERAL TIMES THAT I HAVE TRIED TO RESOLVE THIS PROBLEM.

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 monetary relief
Consumer complaint received 2025-04-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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:
XX/XX/year> File dispute with Experian and XXXX XXXXXXXX ( XXXX XXXX XXXX ) is not my credit card. 

XX/XX/year> File claim with XXXX, they confirmed that XXXX is not under my name. The only two credit card I had with XXXX is ending XXXX and XXXX. 

XX/XX/year> Experian rejected my dispute. They claim after their verification XXXX belong to me. 

But the truth is XXXX is a credit card opened with XXXX  WITHOUT SSN but coincidently have the same name with me. Experian and XXXX mistakenly put this credit card under my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
XX/XX/year> File dispute with XXXX and Equifax XXXX ( XXXX XXXXXXXX XXXX ) is not my credit card. 

XX/XX/year> File claim with XXXX, they confirmed that XXXX is not under my name. The only XXXX credit card I had with XXXX is ending XXXX and XXXX. 

XX/XX/year> XXXX  rejected my dispute. They claim after their verification XXXX belong to me. 

But the truth is XXXX is a credit card opened with XXXX WITHOUT SSN but coincidently have the same name with me. XXXX and Equifax mistakenly put this credit card under my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: WI

Complaint narrative:
My information was leaked a few years ago and has been leaked again due to multiple date breaches from lack of security from credit agencies to our government to private companies. My credit report shows multiple inaccurate accounts from loans Ive never myself opened. Attached is a document listing every inaccurate and fraudulent account on all three of my reports Please investigate and remove them immediately as this is in violation of the FCRA Guidelines and Regulations.

Per, 15 USC 1681e ( b ) all information must be displayed with maximum accuracy and since it isnt I demand this investigation be done swiftly and information be removed as well.

If a representative from one of the fraudulent account companies is spoken to on behalf of the accounts listed I would also like the names of those representatives and the dates and times they were spoken to on my behalf. Thank you for your time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Leafy Financial, LLC
State: IL

Complaint narrative:
I am reporting that my personal identifying information was used without my authorization, resulting in fraudulent accounts, inquiries, and negative entries being placed on my credit reports. I did not open or authorize the use of my information for the listed accounts, collections, or inquiries that are negatively affecting my credit profile. These inaccuracies have caused financial harm and do not reflect accounts or activities initiated or authorized by me. I am requesting that all items associated with the fraudulent activity be blocked and permanently removed from my consumer reports under FCRA Section 605B.

My sister, mother of my child, and an old associate stole and/or use my SSN without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NY

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Since XX/XX/year>, I have been unable XXXX transfer my Capital One rewards miles XXXX any of their listed airline or hotel partnersa core feature of the XXXX card product that heavily influenced my decision XXXX  apply. Despite multiple phone calls XXXX written complaints, the issue remains unresolved. 

Each time I contact customer service, the representatives appear unaware of the issue XXXX offer no clear resolution or escalation path. I have been repeatedly promised call-backs that never happen. I have asked XXXX speak XXXX someone above the supervisor level XXXX was told that was not possible. No one has provided a timeline, compensation, or meaningful follow-up. 

Because of this issue, I lost the opportunity to book a specific award flight that has since become unavailable. I requested a refund of my annual fee on the basis that Capital One failed XXXX honor a key benefit of the card. That request was denied. 

To date, I have received no meaningful assistance, no follow-through on promised updates, XXXX no effort to accommodate the inconvenience and impact this has caused. This has been an incredibly frustrating experience, and I am requesting CFPB assistance in getting Capital One XXXX ( XXXX ) resolve the technical issue with my account, ( XXXX ) provide appropriate compensation for the service failure, XXXX ( XXXX ) improve transparency in their escalation XXXX  complaint handling process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts XXXX have these inaccuracies properly investigated XXXX  resolved, no meaningful action has been taken. I have submitted all required documentation XXXX followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship XXXX has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled XXXX a fair XXXX accurate credit report, including the removal of unverifiable or incorrect information. I urge you XXXX take immediate steps XXXX verify XXXX  rectify these items, as failure XXXX do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief