vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3200.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$8800.00} & XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2025-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX and I have lost access to quite a few cash app accounts in the past due to loosing access to my email account 's that I had connected to my accounts. I would loose access to my email 's because I would lose or break my cell phone and when I would get another one and would try to log back into my email, XXXX would send a verification code to the phone that I had lost so I lost my XXXX account a few times like this. 
In order to log into your cash app account you have to type in the code that cash app sends to your email adress and since I couldn't access my email, I couldn't access my cashapp account. 

The cash app accounts that I lost access to would have money on the accounts and it's impossible for me to access the money because Cash app won't let me into my account. 

I ended up making a bunch of new cash app accounts because of this and loosing access to my old cash app account 's, as well as the money that was on the accounts as well. 
I tried contacting cash app support to help me log back into my accounts and explained to them that I could not access my email adress and explained to them that on all of my accounts I have verified my identity with my ID and my SSN. 
Everytime I have contacted cash app support about this problem they are always unprofessional and rude. They would send me something to fill out and verify my identity ( like my first & last name, my date of birth, my social, and my adress linked to my account ) after I would complete this they would tell me that would try to help me regain access to my account and told me to add an email address to the account that i was currently on then sign out of my account and sign back in using that email that I just added to my account and that I should log back into my account that I lost but it never works i always just log back into the same cash app account. I would tell support that it didn't work and they would tell me that it was unsuccessful and they are powerless to change it so they would just file a complaint and leave it at that I would never hear back from them again. 

Here is a list of all the accounts that I have lost access to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am not sure how much money exactly is on each of my cash app account 's but I do know that XXXX XXXXXXXX has {$200.00} on it and XXXX XXXXXXXX has {$40.00} on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: AZ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in XXXX XXXX XXXX. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB 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 2025-06-05 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B 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 non-monetary relief
Consumer complaint received 2025-06-05 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:
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 2025-06-05 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
This was from my estranged wife we are in the middle of a divorce the account in question she opened in my name used my social security number without my knowledge or permission

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 2025-06-05 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:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
" Last payment '' date vs. " Current Payment Status '' vs. " Worst Payment Status '' : The " Last payment '' date is listed as XXXX. XXXX, XXXX. 
The " Worst Payment Status '' is Charge-off.

The " Current Payment Status '' is Charge-off. 
If the last payment was made on XX/XX/XXXX, and the account is currently charged off, it implies that the account went into default and was charged off after that last payment. 
However, the " Charged off account '' in " Account Details '' shows XXXX XXXX, XXXX as the " Times XXXX days late ''. This creates a timeline discrepancy. A charge-off usually happens after an extended period ( XXXX days ) of delinquency. If the last payment was XX/XX/XXXX, and it was charged off by XX/XX/XXXX, that doesn't align with the XX/XX/XXXX " times late '' date, or the typical charge-off timeline. 
* " Amount past due '' vs. " Balance '' : * " Amount past due '' is listed as {$120.00}. 
* " Balance '' is listed as {$200.00}. 
* For a charged-off account, the " Amount past due '' should typically be the same as the " Balance '' unless the account was partially paid after the charge-off, which is less common for a full charge-off status. This discrepancy of {$80.00} is something to question. If the entire {$200.00} balance is charged off, then the entire {$200.00} should be " past due. '' * " Opened '' date vs. " Payment History '' : * The account was " Opened '' on XXXX. XXXX, XXXX. 
* The " Payment History '' section shows monthly payment statuses going back to XX/XX/XXXX. 
* This is a clear discrepancy : if the account was opened in XX/XX/XXXX, there should be no payment history data before that date. The dots under XXXX, XXXX, and XX/XX/XXXX are either errors in the report 's display or an indication of an earlier account that was transferred or re-opened under a new date. 
In summary, the most significant inconsistencies are : * Payment history pre-dating the account opening date. 
* Conflicting dates for " Last payment, '' " Charge-off '' status, and the " Times XXXX days late '' entry ( XXXX XXXX, XXXX ). 
* Discrepancy between " Balance '' ( {$200.00} ) and " Amount past due '' ( {$120.00} ) for a charged-off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I purchased a lap top on XXXX XXXX. We found the laptop had a defective battery and called to return. They told us to ship it back to them. My son said a defective battery was dangerous to ship in the mail so we returned it to the best buy store in XXXX, NY. We asked about the cancelation of the XXXX XXXX  for this laptop. It was supposed to be canceled. XX/XX/year> I received a bill for XXXX for XXXX XXXX. I called credit card customer service and they sent me to XXXX XXXX. I received a conformation number to remove the charge. XX/XX/year> I received another credit card bill with late fees. I called credit card customer service and was told they dod not communicate with store. Called XXXX XXXX and received email of proof of cancelation. Credit card did not want proof from me. I went to XXXX XXXXXXXX in XXXX XXXX XXXX. Was told by a man named XXXX that he would personally take care of charge to corporate office. I am receiving calls from credit card company daily, sometimes 3 times a day. All calls are animated and will not direct me to a person to help with this charge. I don't know what else to do about the charge. I don't feel this is a charge I should have to pay and iit is rising and I don't know how to resolve the problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: AL

Complaint narrative:
This correspondence concerns an alleged debt originally owed to XXXX XXXX and purportedly acquired by Jefferson Capital Systems LLC. The consumer is formally asserting their rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which mandates debt collectors to provide written validation of a debt within five ( 5 ) days of initial communication.

To date, Jefferson Capital Systems LLC has failed to provide this required notification. Accordingly, this letter serves as both a demand for immediate debt validation and a notice of a potential violation of federal law. Until proper verification is furnished, any collection activities, including credit reporting, must cease in compliance with FDCPA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. 

Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-06-05 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: OR

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: WI

Complaint narrative:
I am filing this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a detailed explanation of the reinvestigation process. Specifically, I requested information describing the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the item. 

To date, the agency has not provided any of the requested information. This lack of disclosure contravenes the transparency and accountability standards established by the FCRA and raises serious concerns regarding the accuracy, completeness, and integrity of the reinvestigation. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and may expose it to civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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