vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
How would you describe what happened? On the morning of XX/XX/XXXX I was a victim of fraud. A person who was impersonating a venom employee was supposedly trying to help unlock my roommate venom account and after about an hour of being on the phone with him there came a point where he told her that at that point the only way to unlock her account was to receive an incoming deposit from a friend or family member and that should trigger the account unlocking. She is my roommate and she asked me if I could send her some money to her XXXX  account and I asked her what I needed to do. She was on speaker phone and I could hear the scammer saying that we needed to download the XXXX XXXX XXXX XXXX XXXX' and he would be better able to help resolve the situation. Neither one of knew that the XXXX XXXX  XXXX gave the scammer the ability to remote control the phone and make changes and access all of our information. Once he got control of the phone he became to move money into and out of the mobile account apps that I have on my phone and he was working this entire scam through my roommate venom account. When it was all done before we knew what just happened he completely drained my XXXX XXXXXXXX and cash app accounts including a ATM withdrawal from XXXX NY. Don't know how that worked., as well as my roommate account. The fraud was immediately reported to my XXXX, XXXX and cash app and I filed a report at the Ftc explaining the situation and provided everyone involved with the original fake venom Website where my roommate connected with the scammer earlier that morning. I filed disputes with all of my accounts and I still haven't received all of my money back. I have filed and been denied several times with cash app and I Reported it to CFPB. As of the writing of this email I have been refunded my money from XXXX  and XXXX and I received a {$25.00} dollar refund from cash app. That alone is reason to continue to pursue my money that was stolen from my cash app account. I am protected by the United States law regarding unauthorized and fraud through ETF. The only item I have yet to receive is the {$770.00}. Cash app approved the {$25.00} dollar dispute for fraud and unauthorized transactions but I have to fight to get cash app to replace the {$770.00} that was done at the same time as the rest of the fraud that took place on XX/XX/year>. I reported the fraud the same day it happened and I have been fighting since XX/XX/XXXX to get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
Account XXXX XXXX # XXXXIm unaware of this debit and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide Certified Mail with receipt displaying my signature. If not, please delete this account # XXXXas soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
After reviewing my credit report, I have discovered they're multiple items I believe are inaccurate in regard to late payments. I have maintained timely payments and do not have documentation showing that this payment was past 30 days late. As the Consumer Reporting Agencie, I know you play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with the utmost accuracy. 

Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing about my credit information on Experian, Equifax, Transunion. I have submitted disputes for phone numbers on my account. The credit bureau have phone listed for me from the past XXXX  years. There are many. First I prefer not to have my phone number on file but to have XXXX is ridiculous. This has caused me to be turned down for credit recently. Also I have a bankruptcy XXXX XX/XX/year> and the credit bureau still has open accounts and and a bankruptcy. They provide all to creditors and its like Im being hit twice. I also have XXXX student loan with XXXX XXXX. But the student loans is over the past XXXX  years. The credit bureaus has XXXX open accounts with XXXX student loan servicer. I have requested to have these accounts combined but the credit bureau ignores request. If my student loan is with XXXX servicer why do I have XXXX separate loan accounts. The credit bureau does not honor any of my requests. I have many issue with all three. Im constantly denied credit for inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing about my credit information on Experian, Equifax, Transunion. I have submitted disputes for phone numbers on my account. The credit bureau have phone listed for me from the past XXXX  years. There are many. First I prefer not to have my phone number on file but to have XXXX is ridiculous. This has caused me to be turned down for credit recently. Also I have a bankruptcy XXXX XX/XX/year> and the credit bureau still has open accounts and and a bankruptcy. They provide all to creditors and its like Im being hit twice. I also have XXXX student loan with XXXX XXXX. But the student loans is over the past XXXX  years. The credit bureaus has XXXX open accounts with XXXX student loan servicer. I have requested to have these accounts combined but the credit bureau ignores request. If my student loan is with XXXX servicer why do I have XXXX separate loan accounts. The credit bureau does not honor any of my requests. I have many issue with all three. Im constantly denied credit for inaccuracies.

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 2025-06-03 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: MD

Complaint narrative:
I am filing this complaint to request an urgent investigation into a derogatory item on my credit report that I believe is inaccurate, unverified, or being reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I XXXX XXXX I have disputed this with the credit bureaus ( Equifax, Experian, and/or TransUnion ) XXXX but I have yet to receive adequate verification of the debt or its reporting. I have requested validation from the original creditor/collection agency, but they have failed to provide documentation proving ownership, contract, or any record tying me directly to this debt. Yet it continues to negatively impact my score, limiting my financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: LA

Complaint narrative:
Dear XXXX, Pursuant to my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), I am formally disputing the accuracy, completeness, and verifiability of the following items on my credit report. Each item listed below contains incorrect, outdated, or unverifiable information that adversely affects my credit standing. 
Addresses : XXXX XXXX XXXX, XXXXXXXX LA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, LA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX These addresses are either incorrect, outdated, or have never been associated with me. Under the FCRA ( 15 U.S.C. 1681i ), you are required to conduct a prompt investigation and remove or correct inaccuracies. 
Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This alleged late payment entry is inaccurate. No valid proof or documentation has been provided to substantiate this derogatory entry, constituting a violation of the FCRA, Section 1681s-2 ( b ), which requires data furnishers to investigate disputes thoroughly and promptly.

Unauthorized Credit Inquiries : The following credit inquiries were unauthorized and made without permissible purpose, violating the FCRA Section 1681b : XXXX XXXX ( XX/XX/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 XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) According to the FCRA Section 1681b , consumer reports may only be furnished with the consumer 's consent or for specific permissible purposes. No authorization or permissible purpose was provided for these inquiries.

Therefore, I demand a complete investigation into these disputed items within 30 days of your receipt of this letter, as mandated by law. Provide proof of verification or immediately delete these erroneous entries from my credit file. Failure to comply with these lawful requests could subject you to penalties under Sections 616 and 617 of the FCRA.

Please send a detailed summary of your findings, along with an updated credit report, to my address listed above upon completion of your investigation. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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 filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX Balance : {$1000.00}

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: MO

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CL Holdings LLC
State: CA

Complaint narrative:
My credit card information was jeopardized by a fraudulent job offering as I realized later in the future that it was a scam so that would be considered identity theft. I didnt know what to do after I found out until now. I got ta car loan but later my account was drained with no way to pay, I then got into a car accident and lost everything. Later there was a repossession on my credit report and in order to get another loan and start over, I will need to have this derogatory mark removed completely off my credit report if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation.

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 2025-06-03 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: NC

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 2025-06-03 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NJ

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap!

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX Bankruptcy # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
Current showing 120 days past due insufficient account Fraud ( TRANSUNION ) XXXX XXXX last updated XX/XX/year> that account is fraudlent ( TRANSUNION ) XXXX XXXX XXXX fraudlent account ( TRANSUNION ) XXXXXXXX XXXX XXXX  insufficient account Fraud ( TRANSUNION ) XXXX XXXX XXXX XXXX XXXX  insufficent account Fraud ( TRANSUNION ) XXXX XXXX XXXX ( EXPERIAN ) Every single inquiries that is showing up from lenders looking at my credit should not be on my account especially if was not the person to authorize the lenders on my account 15 U.S.C. 1681 Section 602 A, STATES I HAVE RIGHTS TO PRIVACY. 

15 U.S.C. 1681 Section 604 A section states a consumer reporting agency can not furnish 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 and crimes which antedates the report by 7 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 the information is inaccurate

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 2025-06-03 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: NV

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall delete any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCED {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$390.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$620.00} XXXXXXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: NV

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall delete any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCED {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$390.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$620.00} XXXXXXXX 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 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 explanation
Consumer complaint received 2025-06-03 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:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : 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 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 explanation