vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
To : Credit Reporting Agencies Subject : Demand for Immediate Deletion of Unverifiable Dear credit reporting agencies, I am formally requesting the immediate deletion of the DEPT OF ED XXXX account currently being reported on my credit file, with a listed balance of {$30000.00}. 

I previously disputed this account with XXXX due to inaccurate reporting of late payments. Upon completion of their investigation on XX/XX/year>, XXXX determined that the information could not be verified anddeleted the account entirely from my XXXX credit report. 

For your review, I am attaching the official deletion confirmation from XXXX. 

As required by the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if an account can not be verified, it must be removed from a consumers credit file.

Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a reasonable reinvestigation within 30 days of receiving a consumer dispute.

Under 15 U.S. Code 1681e ( b ), all reported information must be held to the standard of maximum possible accuracy.Since XXXX has verified the account as unverifiable, and has removed it from their records, I am requesting that Equifax, Experian, and TransUnion do the same. 

Continuing to report an account that has been deleted due to lack of verification is a clear violation of the FCRA.If this account is not removed within the 30-day timeframe required by law, I reserve the right to pursue legal remedies under 15 U.S. Code 1681n and 1681o for willful or negligent noncompliance, including damages and legal costs.

Please conduct your reinvestigation promptly and provide written confirmation that this account has been removed from my credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
I am writing to formally request the removal of unauthorized inquiries from my credit report. As a consumer, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and have identied inquiries listed below that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing to formally request the removal of unauthorized inquiries from my credit report. As a consumer, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and have identied inquiries listed below that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: National Credit Adjusters, LLC
State: IN

Complaint narrative:
b'According to FCRA 605b it is illegal to report anything on my credit report without my permission. Please remove these negative items immediately. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : 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 2025-06-19 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:
It says : Credit reporting agencies ( like Equifax, XXXX, and TransUnion ) play a critical role in the From bridge crest and a lot of other things like literally all of whats on my trans Union XXXX XXXX Equifax all of them need to be cleaned up from this compromise data breach that I endure It says credit reporting agencies, like Equifax, XXXX, and TransUnion, play an important role in our economy by collecting and using personal information about people. Because this information can affect your ability to get credit, insurance, a job, or housing, the law says the information must be handled fairly, accurately, and privately. Under the broader 15 USC 1681 ( and its subparts ), the law gives you rights such as : The right to a free credit report annually.

The right to dispute errors and have them corrected.

The right to know who accessed your credit report.

Limits on who can access your credit information and for what reasons.

15 U.S. Code 1681 Congressional findings and statement of purpose Purpose of This Section : This section explains why the Fair Credit Reporting Act was created. It says : Credit reporting agencies ( like Equifax, XXXX, and TransUnion ) play a critical role in the economy.

These agencies gather and evaluate personal and financial information about consumers. 
Because this information affects peoples ability to get credit, insurance, employment, etc., it must be fair, accurate, and kept private.

Congress passed the FCRA to ensure : Accuracy and fairness in credit reporting.

Consumer privacy is protected.

Consumers have the right to dispute errors in their reports.

This data breeze, conspiracy, compromised and messed up all my accounts and I need this to be fixed immediately. This is totally unrealistic for me. My account is totally terrible and everything needs to be removed. 

My ssc is XXXX XXXX XXXX XXXX and this needs to be all resolved and removed in a few days from all the credit accounts and I need reimburse

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 2025-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IA

Complaint narrative:
I am filing a complaint against cashapp ( 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 unprotected and vulnerable. Furthermore, their dispute 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 2025-06-20 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-19 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: OH

Complaint narrative:
In XX/XX/XXXX I purchased an XXXX, which was put onto a XXXX XXXX  account through the store it was purchased at. Several weeks later I returned the XXXX, receiving a full refund to the XXXX account. The time was so short that I never received a statement from XXXX saying I owed anything because the purchase was returned. It wasn't until over a year later that I noticed Experian had a remark in my credit profile about a derogatory account. I investigated and found that in the record for the XXXX account, it stated that the account was not paid and eventually paid off by the creditor. Neither XXXX  or XXXX  showed this. I created a dispute through Experian on XX/XX/XXXX. The dispute didn't fix anything. They said they used the information provided by the bank and nothing changed. I contacted both Experian and XXXX  to see if I could determine the issue. Experian said they just used the information given to them and XXXX told me that my account showed closed in their system and it did not state anywhere on their side that it was paid off by them. I contacted Experian again with this information and they said they would have someone high get in touch with me, but that never happened. On XX/XX/XXXX, I created a second dispute with Experian about the incident. This time, when they said the dispute was completed, my XXXX XXXX went up by XXXX points on XX/XX/XXXX. I thought that meant the issue had been resolved correctly. On XX/XX/XXXX, I received an alert that my Experian credit scored dropped XXXX points, but my scores at XXXX  and XXXX  remained intact. I went into my Experian credit report and once again, the XXXX entry showed that my account had been paid off by creditor. I created a third dispute on XX/XX/XXXX, to which I received the same response as the first dispute, and nothing changed. I have included documents that clearly show my original purchase, and return, a screen shot showing the account in question had a {$0.00} balance in XXXX and XX/XX/XXXX, 1 month before it was supposedly paid off by creditor, screenshots of what Experian shows for this account and screenshots of what XXXX  and XXXX  have listed for the same account.

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 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of Identity theft and would like these accounts removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of Identity theft and would like these accounts removed as soon as possible.

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 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of Identity theft and would like these accounts removed as soon as possible.

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 2025-06-19 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-06-19 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: TX

Complaint narrative:
It says : Credit reporting agencies ( like Equifax, XXXX, and TransUnion ) play a critical role in the From bridge crest and a lot of other things like literally all of whats on my trans Union XXXX XXXX Equifax all of them need to be cleaned up from this compromise data breach that I endure It says credit reporting agencies, like Equifax, XXXX, and TransUnion, play an important role in our economy by collecting and using personal information about people. Because this information can affect your ability to get credit, insurance, a job, or housing, the law says the information must be handled fairly, accurately, and privately. Under the broader 15 USC 1681 ( and its subparts ), the law gives you rights such as : The right to a free credit report annually.

The right to dispute errors and have them corrected.

The right to know who accessed your credit report.

Limits on who can access your credit information and for what reasons.

15 U.S. Code 1681 Congressional findings and statement of purpose Purpose of This Section : This section explains why the Fair Credit Reporting Act was created. It says : Credit reporting agencies ( like Equifax, XXXX, and TransUnion ) play a critical role in the economy.

These agencies gather and evaluate personal and financial information about consumers. 
Because this information affects peoples ability to get credit, insurance, employment, etc., it must be fair, accurate, and kept private.

Congress passed the FCRA to ensure : Accuracy and fairness in credit reporting.

Consumer privacy is protected.

Consumers have the right to dispute errors in their reports.

This data breeze, conspiracy, compromised and messed up all my accounts and I need this to be fixed immediately. This is totally unrealistic for me. My account is totally terrible and everything needs to be removed. 

My ssc is XXXX XXXX XXXX XXXX and this needs to be all resolved and removed in a few days from all the credit accounts and I need reimburse

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
To : Credit Reporting Agencies Subject : Demand for Immediate Deletion of Unverifiable Dear credit reporting agencies, I am writing to formally dispute the XXXX XXXX XXXX XXXX Credit Card account currently listed on my credit report, with a reported balance of {$230.00}. This account had been reporting late payments, which I challenged with XXXX due to inaccuracies and lack of verification. Upon completion of their investigation on XX/XX/year>, XXXX determined that the information could not be verified and deleted the account entirely from my XXXX credit report. For your review, I am attaching the official deletion confirmation from XXXX. As required by the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if an account can not be verified, it must be removed from a consumers credit file. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a reasonable reinvestigation within 30 days of receiving a consumer dispute. Under 15 U.S. Code 1681e ( b ), all reported information must be held to the standard of maximum possible accuracy. Since XXXX has verified the account as unverifiable, and has removed it from their records, I am requesting that Equifax, Experian, and TransUnion do the same. Continuing to report an account that has been deleted due to lack of verification is a clear violation of the FCRA. If this account is not removed within the 30-day timeframe required by law, I reserve the right to pursue legal remedies under 15 U.S. Code 1681n and 1681o for willful or negligent noncompliance, including damages and legal costs. Please conduct your reinvestigation promptly and provide written confirmation that this account has been removed from my credit file. 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 2025-06-20 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: TX

Complaint narrative:
To : Credit Reporting Agencies Subject : Demand for Immediate Deletion of Unverifiable Dear credit reporting agencies, I am writing to formally dispute the XXXX XXXX XXXX XXXX Credit Card account currently listed on my credit report, with a reported balance of {$230.00}. This account had been reporting late payments, which I challenged with XXXX due to inaccuracies and lack of verification. Upon completion of their investigation on XX/XX/year>, XXXX determined that the information could not be verified and deleted the account entirely from my XXXX credit report. For your review, I am attaching the official deletion confirmation from XXXX. As required by the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if an account can not be verified, it must be removed from a consumers credit file. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a reasonable reinvestigation within 30 days of receiving a consumer dispute. Under 15 U.S. Code 1681e ( b ), all reported information must be held to the standard of maximum possible accuracy. Since XXXX has verified the account as unverifiable, and has removed it from their records, I am requesting that Equifax, Experian, and TransUnion do the same. Continuing to report an account that has been deleted due to lack of verification is a clear violation of the FCRA. If this account is not removed within the 30-day timeframe required by law, I reserve the right to pursue legal remedies under 15 U.S. Code 1681n and 1681o for willful or negligent noncompliance, including damages and legal costs. Please conduct your reinvestigation promptly and provide written confirmation that this account has been removed from my credit file. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: MO

Complaint narrative:
Complaint Summary : I am filing this complaint to formally report that the nationwide credit reporting agenciesEquifax, Experian, and TransUnionhave failed to update or remove inaccurate personal information from my credit report, despite multiple prior requests. I have also discovered discrepancies across my credit files that raise serious concerns about possible identity theft. I have submitted the required documentation, including an FTC Identity Theft Report and a police report, yet the agencies have not corrected or removed the following : ________________________________________ 1. Inaccurate and Outdated Personal Information Name : Not displaying consistently across reports.

Addresses : Old and incorrect addresses remain listed, despite clear instruction to remove them. These addresses are linked to identity theft incidents.

Phone Numbers : Several outdated numbers are still listed, which are no longer in use.

Social Security Number & Date of Birth : Not adequately protected or redacted.

Employer Information : Inaccurate and outdated employer listings remain.

________________________________________ 2. Discrepancies Across Credit Bureaus Indicating Identity Theft Account numbers differ between bureaus.

Payment statuses are reported inconsistently.

Addresses and employer information vary widely between agencies.

Fraudulent accounts and inquiries are still being reported, with no valid method of verification provided. 
________________________________________

Company response to consumer: Closed with non-monetary relief