vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from 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 non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT 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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the XX/XX/XXXX I presume 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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Perpay, Inc.
State: NY

Complaint narrative:
Vehicle was vandalized and my card was stolen! I reached out to PerPay about the situation, they said they would send me another card but never did! They were still taking money out of my account! It was {$110.00} biweekly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: DC

Complaint narrative:
On XX/XX/year>, Cash App suddenly and without warning closed my account, claiming that I violated their Terms of Service. I was not provided with any specific explanation, evidence, or transaction that supposedly caused this violation.

I contacted support, and they repeated the same vague response without offering any clarity or documentation. I asked for proof or details, and I was told my account was linked to Terms of Service activity with no further explanation. This lack of transparency and refusal to disclose information is unacceptable. 
I still have access to withdraw my funds, but all other features are permanently disabled. I believe my account was closed in error and that this is a violation of my consumer rights. I have followed all rules and terms to the best of my knowledge, and I deserve a clear explanation and proper treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
RE : Immediate Demand for Permanent Removal of Fraudulent Account Reported by XXXX I am writing to demand the immediate and permanent deletion of the following fraudulent account from my credit reports with all three credit bureaus XXXX XXXX, Equifax, and XXXX  ) : - Creditor : XXXX - Account Number : XXXX * * * * - Account Type : Installment ( Unsecured Loan ) - Account Status : Derogatory - Date Opened : XX/XX/year> - High Credit : {$1000.00} This account is the result of identity theft. Although there may be records of alleged payments, that does not change the fact that I did not open or authorize this account. I have no relationship with XXXX The debt is fraudulent and must be removed from my credit reports immediately. 
In addition to reporting this fraud to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and XXXX XXXX XXXX XXXX XXXX XXXX, I am in the process of pursuing legal action against this company. A representative named XXXX has repeatedly called my phone, leaving multiple messages and calling during times outside the limits permitted by law including calls made before XXXX XXXX XXXX XXXX XXXX XXXX in violation of the Fair Debt Collection Practices Act ( FDCPA ) 805 ( a ) ( 1 ) 15 U.S.C. 1692c ( a ) ( 1 ). These actions have been verified and are voice recorded. 
Her repeated calls and voicemails after being informed of identity theft, and without my consent, constitute harassment under FDCPA 1692d. These actions are emotionally distressing and legally actionable.

Furthermore, under the Fair Credit Reporting Act ( FCRA ) : - FCRA 1681c-2 requires credit bureaus to block or remove identity theft-related information upon receiving proper documentation.

- FCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know to be inaccurate. 
Failure to remove this account constitutes a willful violation of federal law and subjects the credit bureaus and XXXX to : - Statutory damages of up to {$1000.00} per violation - Additional compensation for emotional distress and reputational harm - Punitive damages and attorneys fees I am enclosing the following documents to support this demand : - Police report - Identity theft affidavit - Government-issued ID - Utility bill ( proof of address ) - Recent tax document This letter serves as a final demand for the immediate deletion of this fraudulent account from my credit reports. I also require written confirmation of the removal from all three credit bureaus. 
Thank you for your urgent compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
RE : Immediate Demand for Permanent Removal of Fraudulent Account Reported by XXXX I am writing to demand the immediate and permanent deletion of the following fraudulent account from my credit reports with all three credit bureaus ( XXXX XXXX, and Experian ) : - Creditor : XXXX - Account Number : XXXX * * * * - Account Type : Installment ( Unsecured Loan ) - Account Status : Derogatory - Date Opened : XX/XX/year> - High Credit : {$1000.00} This account is the result of identity theft. Although there XXXX be records of alleged payments, that does not change the fact that I did not open or authorize this account. I have no relationship with XXXX. The debt is fraudulent and must be removed from my credit reports immediately. 
In addition to reporting this fraud to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and XXXX XXXX XXXX XXXX XXXX XXXX I am in the process of pursuing legal action against this company. A representative named XXXX has repeatedly called my phone, leaving multiple messages and calling during times outside the limits permitted by law including calls made before XXXX XXXX XXXX XXXX XXXX XXXX in violation of the Fair Debt Collection Practices Act ( FDCPA ) 805 ( a ) ( 1 ) 15 U.S.C. 1692c ( a ) ( 1 ). These actions have been verified and are voice recorded. 
Her repeated calls and voicemails after being informed of identity theft, and without my consent, constitute harassment under FDCPA 1692d. These actions are emotionally distressing and legally actionable.

Furthermore, under the Fair Credit Reporting Act ( FCRA ) : - FCRA 1681c-2 requires credit bureaus to block or remove identity theft-related information upon receiving proper documentation.

- FCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know to be inaccurate.

Failure to remove this account constitutes a willful violation of federal law and subjects the credit bureaus and XXXX to : - Statutory damages of up to {$1000.00} per violation - Additional compensation for emotional distress and reputational harm - Punitive damages and attorneys fees I am enclosing the following documents to support this demand : - Police report - Identity theft affidavit - Government-issued ID - Utility bill ( proof of address ) - Recent tax document This letter serves as a final demand for the immediate deletion of this fraudulent account from my credit reports. I also require written confirmation of the removal from all three credit bureaus. 
Thank you for your urgent compliance

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
RE : Immediate Demand for Permanent Removal of Fraudulent Account Reported by XXXX I am writing to demand the immediate and permanent deletion of the following fraudulent account from my credit reports with all three credit bureaus ( TransUnion, Equifax, and Experian ) : - Creditor : XXXX  - Account Number : XXXX * * * * - Account Type : Installment ( Unsecured Loan ) - Account Status : Derogatory - Date Opened : XX/XX/year> - High Credit : {$1000.00} This account is the result of identity theft. Although there may be records of alleged payments, that does not change the fact that I did not open or authorize this account. I have no relationship with XXXX. The debt is fraudulent and must be removed from my credit reports immediately. 
In addition to reporting this fraud to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and XXXX XXXX XXXX XXXX XXXX ), I am in the process of pursuing legal action against this company. A representative named XXXX has repeatedly called my phone, leaving multiple messages and calling during times outside the limits permitted by law including calls made before XXXX XXXX XXXX XXXX XXXX XXXX  in violation of the Fair Debt Collection Practices Act ( FDCPA ) 805 ( a ) ( 1 ) 15 U.S.C. 1692c ( a ) ( 1 ). These actions have been verified and are voice recorded. 
Her repeated calls and voicemails after being informed of identity theft, and without my consent, constitute harassment under FDCPA 1692d. These actions are emotionally distressing and legally actionable.

Furthermore, under the Fair Credit Reporting Act ( FCRA ) : - FCRA 1681c-2 requires credit bureaus to block or remove identity theft-related information upon receiving proper documentation.

- FCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know to be inaccurate. 
Failure to remove this account constitutes a willful violation of federal law and subjects the credit bureaus and XXXX to : - Statutory damages of up to {$1000.00} per violation - Additional compensation for emotional distress and reputational harm - Punitive damages and attorneys fees I am enclosing the following documents to support this demand : - Police report - Identity theft affidavit - Government-issued ID - Utility bill ( proof of address ) - Recent tax document This letter serves as a final demand for the immediate deletion of this fraudulent account from my credit reports. I also require written confirmation of the removal from all three credit bureaus. 
Thank you for your urgent compliance

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I was never notified by XXXX XXXX XXXX  that the debt was sold, and I have not received any documentation from LVNV  Funding validating this debt. I was not given a chance to dispute the debt before it was reported to the credit bureaus. I attempted to resolve the matter by disputing it through the credit bureaus, but the account is still being reported as valid. I do not recognize this account as accurate, and I am requesting a full investigation into XXXX Fundings practices, as they have failed to provide proper debt validation under the Fair Debt Collection Practices Act ( FDCPA ). This inaccurate reporting is harming my credit and causing emotional and financial stress. I am requesting that LVNV Funding be required to provide full documentation proving the validity and ownership of this debt, or that the account be removed from my credit reports entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from 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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation