vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. ACCOUNTS : 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 2025-08-06 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
I am submitting this formal complaint against XXXX XXXX XXXX XXXX ( XXXX ) and the credit bureaus who are reporting an inaccurate and unresolved charge-off on my credit file. This situation has caused significant harm to my credit and financial standing. 

Background and Issues : XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Account Charge-Off : The XXXX account was reported as charged off in XX/XX/XXXX. The account was originally opened in XX/XX/XXXX, but the account was closed in XXXX due to a financial hardship. After the charge-off, I disputed the account with the credit bureaus, who initially validated this inaccurate information despite clear errors. 
XXXX Falsely Verified Information : The credit bureaus ( TransUnion, Experian, and Equifax ) falsely reported the account as verified after I raised disputes in XXXX, without addressing critical inaccuracies in the data. These included : Reporting utilization on a closed account. 
Listing the account as both " past due '' and " charged off, '' which is contradictory. 
Failing to provide complete or correct payment history data from XXXX. 
XXXX Impact on My Credit and Financial Health : The inaccurate reporting of the charge-off has caused a severe drop in my credit score, severely limiting my ability to access affordable loans, secure housing, or even apply for credit. These errors have placed me in a financial disadvantage and have affected my overall financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
I am submitting this formal complaint against XXXX XXXX XXXX XXXX ( XXXX ) and the credit bureaus who are reporting an inaccurate and unresolved charge-off on my credit file. This situation has caused significant harm to my credit and financial standing. 

Background and Issues : XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Account Charge-Off : The XXXX account was reported as charged off in XX/XX/XXXX. The account was originally opened in XX/XX/XXXX, but the account was closed in XXXX due to a financial hardship. After the charge-off, I disputed the account with the credit bureaus, who initially validated this inaccurate information despite clear errors. 
XXXX Falsely Verified Information : The credit bureaus ( TransUnion, Experian, and Equifax ) falsely reported the account as verified after I raised disputes in XXXX, without addressing critical inaccuracies in the data. These included : Reporting utilization on a closed account. 
Listing the account as both " past due '' and " charged off, '' which is contradictory. 
Failing to provide complete or correct payment history data from XXXX. 
XXXX Impact on My Credit and Financial Health : The inaccurate reporting of the charge-off has caused a severe drop in my credit score, severely limiting my ability to access affordable loans, secure housing, or even apply for credit. These errors have placed me in a financial disadvantage and have affected my overall financial well-being.

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 2025-08-06 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: CA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I submitted disputes to all three credit bureaus regarding inaccurate account information. One bureau properly conducted an investigation, determined the account was inaccurate, and removed it. However, the other credit bureaus failed to provide proper verification or conducted what I believe was a frivolous response. They continue reporting the inaccurate item despite being notified of the issue, in violation of FCRA 611, which requires a reasonable reinvestigation of disputed information. I am requesting immediate correction of this inconsistent and harmful reporting. Below is a list of the accounts in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : 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 2025-08-06 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: AR

Complaint narrative:
I submitted disputes to all three credit bureaus regarding inaccurate account information. One bureau properly conducted an investigation, determined the account was inaccurate, and removed it. However, the other credit bureaus failed to provide proper verification or conducted what I believe was a frivolous response. They continue reporting the inaccurate item despite being notified of the issue, in violation of FCRA 611, which requires a reasonable reinvestigation of disputed information. I am requesting immediate correction of this inconsistent and harmful reporting. Below is a list of the accounts in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently reviewed my credit report and noticed multiple names which is a violation of the Fair credit reporting Act.

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 2025-08-06 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:
I am submitting this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The accounts in questionXXXXXXXX XXXX XXXX XXXX  ( Account No. XXXX ) and XXXX XXXX  ( Account No. XXXX ) were opened fraudulently and are the result of identity theft. I provided Experian with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Experian failed to block the fraudulent information within four business days, as required by law. 
Furthermore, Experian has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Experian has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

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 2025-08-06 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: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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 am a victim of identity theft. On or around XX/XX/year>, I discovered multiple unauthorized credit inquiries and accounts on my credit report, including a fraudulent XXXX  account and inquiries from XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and others. I did not authorize or apply for these accounts or credit checks. Despite filing a formal FTC Identity Theft Report ( Report # XXXX ) and notifying the credit bureaus, the XXXX account has reappeared on my credit report, and the unauthorized inquiries remain. This violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681c-2 : Requires credit bureaus to block fraudulent information within 4 business days after receiving proper identity theft documentation. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Prohibits reinsertion of previously deleted fraudulent items without written notice and re-verification. 15 U.S.C. 1681b ( c ) : Prohibits credit inquiries without a permissible purpose or written authorization. I am demanding immediate and permanent removal of the XXXX account and all unauthorized inquiries. These errors are causing me emotional distress, reputational harm, and are obstructing my ability to access legitimate credit.

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 2025-08-06 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: GA

Complaint narrative:
I am a victim of identity theft. On or around XX/XX/year>, I discovered multiple unauthorized credit inquiries and accounts on my credit report, including a fraudulent XXXX  account and inquiries from XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and others. I did not authorize or apply for these accounts or credit checks. Despite filing a formal FTC Identity Theft Report ( Report # XXXX ) and notifying the credit bureaus, the XXXX account has reappeared on my credit report, and the unauthorized inquiries remain. This violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681c-2 : Requires credit bureaus to block fraudulent information within 4 business days after receiving proper identity theft documentation. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Prohibits reinsertion of previously deleted fraudulent items without written notice and re-verification. 15 U.S.C. 1681b ( c ) : Prohibits credit inquiries without a permissible purpose or written authorization. I am demanding immediate and permanent removal of the XXXX account and all unauthorized inquiries. These errors are causing me emotional distress, reputational harm, and are obstructing my ability to access legitimate credit.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I am writing to dispute several accounts listed on my consumer report, as I am a victim of identity theft. Despite my previous requests, these accounts continue to be reported as verified, even though they contain inaccurate information that does not match my identity.

The following account is being disputed : XXXX XXXX * * Discrepancies * * : This account does not have my driver 's license number or Social Security number, and the address associated with it does not match my own.

I have attached documentation supporting my claims, including any relevant police reports or identity theft affidavits. Under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I am requesting a thorough investigation into these accounts and the removal of any fraudulent information from my credit report.

It is concerning that this account continues to be reported as verified despite the inconsistencies in the information. I urge you to take immediate action to rectify this situation. There is fraudulent increase and accounts thats been reported to both Chex Systems and XXXX XXXX XXXX. This is handing me from getting a bank account and it is causing damages. I request for removal immediately.

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 2025-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is not my bill. I have no business with the company that is reporting this info on my credit files. Remove from my credit history 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 non-monetary relief
Consumer complaint received 2025-08-06 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: SC

Complaint narrative:
I am formally disputing and demanding the permanent removal of all inaccurate, obsolete, or fraudulent personal identifying information from my credit file under my name. The following information currently appearing on my credit report is incorrect and must be deleted immediately : Disputed Personal Information : - Incorrect names and aliases- Incorrect or unknown addresses- Incorrect phone numbers- Incorrect or unknown employers- Any date of birth other than XX/XX/XXXX, XXXX Any variation of my Social Security Number My Correct Personal Information : - Full Legal Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/year> This inaccurate information violates my rights under the Fair Credit Reporting Act ( FCRA ) : - 15 U.S.C. 1681e ( b ) Requires credit bureaus to maintain maximum possible accuracy of the information they report.- 15 U.S.C. 1681i ( a ) Requires a timely reinvestigation and deletion of inaccurate or unverifiable information.- 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits data furnishers from reporting information they know is incorrect.

- 15 U.S.C. 1681c-2 ( FCRA 605B ) Provides consumers the right to block and remove false information resulting from fraud or identity theft.

Actions Requested : 1. Conduct a full reinvestigation of my file.

2. Permanently delete all inaccurate personal information listed above.

3. Provide a full written summary of your investigation and confirmation of all deletions within 30 days.

4. Do not reinsert any deleted data unless you comply with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Failure to act may result in complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and may expose you to civil liability under 15 U.S.C. 1681n and 1681o.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am formally disputing and demanding the permanent removal of all inaccurate, obsolete, or fraudulent personal identifying information from my credit file under my name. The following information currently appearing on my credit report is incorrect and must be deleted immediately : Disputed Personal Information : - Incorrect names and aliases- Incorrect or unknown addresses- Incorrect phone numbers- Incorrect or unknown employers- Any date of birth other than XX/XX/XXXX, XXXX Any variation of my Social Security Number My Correct Personal Information : - Full Legal Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/year> This inaccurate information violates my rights under the Fair Credit Reporting Act ( FCRA ) : - 15 U.S.C. 1681e ( b ) Requires credit bureaus to maintain maximum possible accuracy of the information they report.- 15 U.S.C. 1681i ( a ) Requires a timely reinvestigation and deletion of inaccurate or unverifiable information.- 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits data furnishers from reporting information they know is incorrect.

- 15 U.S.C. 1681c-2 ( FCRA 605B ) Provides consumers the right to block and remove false information resulting from fraud or identity theft.

Actions Requested : 1. Conduct a full reinvestigation of my file.

2. Permanently delete all inaccurate personal information listed above.

3. Provide a full written summary of your investigation and confirmation of all deletions within 30 days.

4. Do not reinsert any deleted data unless you comply with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Failure to act may result in complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and may expose you to civil liability under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against cash App ( BLOCK inc ) Due to inadequate Customer Services and unfair practices which violates the Customer Financial Protection Act ( CFPA ) specifically, cash app failed to timely and effective measures To prevent And address fraudulent activity on their platform. leaving my account vulnerable and unprotected, furthermore, their dispute and resolution process was unfair and deceptive as they did not complying with error resolution requirements under electronic fund transfer EFT and regulation E This has cost me a significant financial loss and inconvenience, and I Seek the appropriate REMEDY and Protection of this matter,

Company response to consumer: Closed with explanation