vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX/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 2025-07-28 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: MD

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

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 2025-07-28 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: MD

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

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 2025-07-28 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: FL

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY 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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

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

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX 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 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Block, Inc.
State: AL

Complaint narrative:
Cash App, associated with XXXXXXXX XXXX sent me a pre-paid debit card without my consent or prior knowledge. I received it on XXXX XXXX, 2025. I have not activated the card because it appears someone has opened the account using my name and SS #. I contacted the number listed on the card to close the account. I gave them the name as listed on the card, and my email address. However, they aid they could not close the account without copies of the front and back of the card. They have my mailing address, as I received this card in the mail. When I asked to speak to a supervisor, I was told it was not possible without the requested information. They should be able to identify the account in question using my name, and address. I was told that I had to send copies of the front and back of the card before they could proceed. I replied that I am willing to provide the last for digits on the account, but the entire number, along with expiration date, and XXXX digit verification code. They should have this information in their system. XXXX days later, I received and email requesting the same information. I replied to this email stating that I would not send the copies as requested. I did receive a follow up with no additional information, just the canned response identical to the previous email. Further, I have a fraud alert on my credit file. But, my understanding is that a credit inquiry is not done for a pre-paid account. I just was this account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: AL

Complaint narrative:
[ SEE ATTACHMENT FOR DETAILS- ALL IDENTIFYING DOCUMENTS HAVE BEEN ATTACHED WITH THIS DISPUTE - LICENSE, UTILITY BILL, & SS CARD ] XXXX. XXXX XXXX XXXX XXXX reported as {$1600.00}, while high credit is listed as {$1400.00}. This likely reflects unauthorized interest or fees in violation of 15 U.S.C. 1692e ( 2 ) ( A ) and 1692f ( 1 ). 
-No payment history is reported, and the date of first delinquency is missing, despite the account being opened in XXXX. This suggests the account is beyond the 7-year reporting limit under FCRA 605 ( a ) ( 4 ).

-As this is a medical collection, any validation that would involve disclosing personal health information without my consent raises HIPAA-related privacy concerns.

-The account does not meet the standard of maximum possible accuracy, violating FCRA 1681e ( b ).

2. Eastern Account System / EasternACCOS -I do not recognize this debt.

-The collector name, original creditor, account number, and status are inconsistent across bureaus : XXXX and Equifax list XXXX and XXXX XXXX XXXX -Experian lists XXXX XXXX XXXX and XXXX XXXX -These inconsistencies make the account unverifiable, violating FCRA 1681e ( b ).

3. Inquiries I Am Disputing I am not aware of submitting any credit applications that would lawfully authorize the following hard inquiries. They are not connected to any financing I knowingly sought. These inquiries therefore lack permissible purpose under FCRA XXXX and must be removed : -XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
[ SEE ATTACHMENT FOR DETAILS- ALL IDENTIFYING DOCUMENTS HAVE BEEN ATTACHED WITH THIS DISPUTE - LICENSE, UTILITY BILL, & SS CARD ] XXXX. XXXX XXXX XXXX XXXX reported as {$1600.00}, while high credit is listed as {$1400.00}. This likely reflects unauthorized interest or fees in violation of 15 U.S.C. 1692e ( 2 ) ( A ) and 1692f ( 1 ). 
-No payment history is reported, and the date of first delinquency is missing, despite the account being opened in XXXX. This suggests the account is beyond the 7-year reporting limit under FCRA 605 ( a ) ( 4 ).

-As this is a medical collection, any validation that would involve disclosing personal health information without my consent raises HIPAA-related privacy concerns.

-The account does not meet the standard of maximum possible accuracy, violating FCRA 1681e ( b ).

2. Eastern Account System / EasternACCOS -I do not recognize this debt.

-The collector name, original creditor, account number, and status are inconsistent across bureaus : XXXX and Equifax list XXXX and XXXX XXXX XXXX -Experian lists XXXX XXXX XXXX and XXXX XXXX -These inconsistencies make the account unverifiable, violating FCRA 1681e ( b ).

3. Inquiries I Am Disputing I am not aware of submitting any credit applications that would lawfully authorize the following hard inquiries. They are not connected to any financing I knowingly sought. These inquiries therefore lack permissible purpose under FCRA XXXX and must be removed : -XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX XXXX 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 2025-07-28 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:
My credit report has items that have resulted from fraud. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report now!

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 2025-07-28 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: VA

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 2025-07-28 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: NC

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-07-28 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: PA

Complaint narrative:
I AM BEING TAKEN ADVANTAGE OF BY TRANSUNION, EQUIFAX, AND EXPERIAN. THESE THREE COMPANIES ARE VIOLATING MY RIGHTS GIVEN TO ME BY THE FCRA. I DID NOT GIVE THEM PERMISSION TO ACCESS MY NON PUBLIC PERSONAL INFORMATION, NOR DID I CONSENT FOR THEM TO FURNISH ANYTHING ON MY CONSUMER REPORT. ACCORDING TO 15 USC 1681 ( b ) ( 2 ) MY PERMISSION IS NEEDED FOR ANY PERSO TO ACCESS OR FURNISH ANYTHING ON MY CONSUMER REPORT. THAT PERMISSION WAS NOT GRANTED BY ME. NOT ONLY ARE INQUIRIES BEING REPORTED WITHOUT DUE CAUSE, MY RIGHT TO PRIVACY HAS BEEN INFRINGED UPON DUE TO THESE FRAUDULENT AND INACCURATE REPORTING. I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ). I DEMAND THAT EACH AND EVERY ITEM I AM DISPUTING BE REMOVED. THERE IS NO WAY ANY PERSON CAN VALIDATE FRAUDULENT ACTIVITY. DUE TO MY IDENTITY BEING USED WITHOUT MY CONSENT, THIS THEFT AS DEFINED BY 18 USC 102 ( a )

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 2025-07-28 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:
I am filing this complaint regarding a charged-off account with XXXX XXXX XXXX  that I paid under the understanding it would be removed from my credit report as part of a pay-for-delete agreement. Despite fulfilling my end of the agreement and making payment in good faith, the account is still being reported as " Paid in settlement '' with {$590.00} written off, which continues to negatively impact my credit. This is not reflective of the arrangement made at the time of payment, and the account should not be reporting as a derogatory tradeline.

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 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I received collection notices and multiple text messages from Resurgent/LVNV Funding LLC for an alleged debt account ending in XXXX. On XX/XX/year>, I sent a debt validation letter by certified mail requesting full validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ). I specifically requested the original contract with my signature, a detailed accounting of the alleged balance, and the name of the original creditor. 

To date, I have not received a valid response. Instead, they continued to send me automated messages trying to collect the debt without validating it, violating my rights under 15 U.S. Code 1692g and 1692e.

Furthermore, this debt is being reported on my credit report, causing significant harm, without proper validation. I am requesting that this collection be removed from my credit report immediately due to the lack of proper verification and continued harassment in violation of federal law. 

Attached are screenshots of the text messages, proof of my validation request, and previous documentation showing the original creditor no longer reports this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was sent a chase bank credit card and shortly after activation started having telecommunication issues and technology issues with my cell phones and computers. 
The harassment has been ongoing robocalls, wrong numbers, unavailable service, spoofed calls and issues that are hard to define for several years. 

I have filed several do not contact, cease and desist and it still continues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to file a formal complaint against Experian due to inaccurate and misleading information contained in my credit report. The inaccuracies on my report have caused significant harm to my creditworthiness and financial standing.Specifically, the following errors have been identified on my credit report : My name and my address. 
I have already contacted Experian and followed the dispute process to have these inaccuracies corrected. Below is a summary of my efforts to resolve this matter : On XXXX XXXX, I filed a dispute with Experian regarding the inaccurate information. 
I provided supporting documentation, including my Driver License, I have just a name which XXXX XXXX XXXX an da address which is XXXX XXXX XXXX, XXXX Ma XXXX Despite my efforts, Experian has failed to correct the errors or provide an adequate explanation for their refusal to address my concerns. 
This failure to correct the inaccuracies is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to investigate disputes and ensure the accuracy of the information they report. I believe that Experian 's actions are unfair and harmful to consumers like myself.Impact on Me : The inaccurate information on my credit report has had the following negative impacts : Denied credit applications or unfavorable loan terms. 
Emotional distress and anxiety caused by the ongoing issue. 
Damage to my financial reputation and credit score. 
XXXX 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 2025-07-28 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:
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/year> UNAUTHORIZED INQUIRIES : AL XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dispute all hard inquiries charge offs adverse action on XXXX XXXX XXXX XXXX as well as XXXX credit report and XXXX  credit reports as well and these are still showing with all 3 credit reporting agencys as of today date XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: LA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-07-28 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: IL

Complaint narrative:
I've worked hard to build my credit so, take this seriously. I found some big mistakes that are really hurting my score and these inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. I need you to make sure all of my information is XXXX  % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really upset and I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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