vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Subject : Dispute of Unauthorized Hard Inquiry by Experian XXXX XXXX Dear CFPB, I am writing to dispute a hard inquiry reported on my Experian credit report by XXXX XXXX dated XX/XX/XXXX XXXX which is currently on record until XX/XX/XXXX. 

I did not authorize this inquiry, nor did I initiate any credit application with XXXX XXXX  on or around this date. This unauthorized inquiry is negatively impacting my credit score. 

I have contacted Experian to request the removal of this hard inquiry several times, but it remains on my report. Therefore, I am requesting your assistance to investigate this matter and ensure that this unauthorized inquiry is removed promptly from my credit report. 

Enclosed is a copy of my credit report with the disputed inquiry highlighted. 

Thank you for your attention to this important matter. Please confirm receipt of this dispute and keep me informed of any actions taken. 

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 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credova Holdings Inc
State: NC

Complaint narrative:
Within the past year, I disputed this account directly with TransUnion, Equifax, & Experian under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, and also directly with the furnisher under the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. XXXX. 

The company responded by merely changing the reporting remark to Account information disputed by consumer without providing : XXXX. ) Documentation validating the debt as required under the FDCPA. 

XXXX. ) Adequate verification procedures as required under the FCRA. 

This remark does not correct the inaccurate or unverified information it continues to harm my credit profile and is misleading to anyone reviewing my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filling a complaint against Cash App ( block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and regulation XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
am filing this complaint to request your assistance in resolving inaccurate and harmful credit reporting by XXXX XXXX and XXXX Bank XXXX SYNCB/XXXX XXXX ). These creditors are reporting my accounts in a manner that is misleading, materially damaging to my creditworthiness, and in violation of the Fair Credit Reporting Act ( FCRA ). 

Details of the Inaccuracy : XXXX XXXX Account XXXX XX/XX/XXXX, {$1900.00} balance Reported as a charge-off every month from the original charge-off date through at least XX/XX/XXXX. 

Synchrony Bank ( SYNCB/XXXX XXXX ) Similar repeated monthly charge-off reporting pattern. 

A charge-off is a one-time accounting action. Reporting it monthly creates the false impression of multiple charge-offs, artificially inflating derogatory information on my report. 

Applicable Law : FCRA XXXX ( b ) : Furnishers must ensure maximum possible accuracy of the information they report. 

FCRA XXXX : Inaccurate, incomplete, or unverifiable information must be corrected or deleted. 

I have contacted both creditors directly, including sending executive-level dispute letters to their CEOs, requesting removal of the repeated charge-off notations and correction of my account history with all three major credit bureaus. As of this complaint, the inaccurate reporting remains.

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 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear CFPB, XXXX law pertaining to fraud accounts must be deleted all reported in FTC Identity Theft report. 
XXXX USC XXXX - CRA 's may only furnish date about me on my consumer report ONLY if they have written consent to add anything on my report. I never given any written consent to any of XXXX CRA 's ( Equifax, Experian and TransUnion ) to report anything. They must provide my written consent. 
I filed FTC Identity Theft report approx a year ago. I mailed them to all XXXX credit bureaus : Equifax, Experian and TransUnion. 

I filed a disputes with all XXXX credit bureaus, on their websites and attached that Identity Theft FTC report that is attached to this complaint. Nothing was deleted. 

I mailed certified this FTC report again last week, I have XXXX confirmation that they were all delivered XX/XX/year>. 

In my certified mail to each bureau together with FTC report, I included my SS and Driving License and my Lease Agreement as a proof of my address and my identity. 

XXXX USC XXXX ( XXXX ) - reporting my balances and payment history is violation and illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
I received continuous communications regarding a purported debt. I am unaware of the debt. I sent a Request for Debt Validation to the company via certified mail on XXXX. The letter was received on XXXX according to XXXX tracking XXXX To this day I have not received the information requested from the company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against TransUnion due to its failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding my factual disputes. I submitted documented proof that certain accounts are inaccurate and unverifiable, yet TransUnion has not removed these items from my credit report. This ongoing inaccuracy is harmful to my credit profile and a violation of my consumer rights.

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 2025-08-13 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: TX

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing Experian to statutory, actual, and punitive damages, including attorney 's fees. I expect written confirmation once deletions are complete

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 2025-08-13 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX U.S.C. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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 reviewed my copy of my report recently and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 2025-08-13 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:
I have verified several inaccuracies on my credit report account. This unfair and causing damage to my credit it is my understanding that you will investigate theses items for me to ensure accuracy. Here is the item I am asking you to verify account name XXXX account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
I have verified several inaccuracies on my credit report account. This unfair and causing damage to my credit it is my understanding that you will investigate theses items for me to ensure accuracy. Here is the item I am asking you to verify account name XXXX account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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 request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 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 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 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 2025-08-12 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: PENTAGON FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I was a victim of identity theft. 
Several accounts were open in my name from pentagonXXXX  federal credit union while i was seving 13 years and 4 months in federal XXXX. the following account # are XXXX, type of account, loan. XXXX, type of account credit card. enclose/ attached are supported documents such as, proof of XXXX, FTC report also proof of residency as well as federal prison I.D . with federal number and federal release XXXX .. As well as Michigan XXXX 's license with current mailing address..

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 2025-08-13 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:
My credit report still reflects inaccurate accounts that were never taken off. I am asking that the attached documents be examined carefully so that I can finally stop worrying about this issue.

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 2025-08-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reporting a serious case of fraudulent reporting on my credit file. An account that does not belong to me has been listed without my consent or knowledge. This false entry is harming my financial reputation and violates my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: IL

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the accounts listed below. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these accounts. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them immediately. 
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

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 2025-08-13 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: IL

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the accounts listed below. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these accounts. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them immediately. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: CT

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am submitting this formal rebuttal regarding my ongoing dispute with Wells Fargo Bank, XXXX, related to unauthorized transactions totaling {$8300.00} on my stolen debit card. Wells Fargo refunded only a portion of the fraudulent activity ( {$2600.00} ), leaving {$5700.00} unpaid despite clear evidence of unauthorized use. 

This matter is subject to Regulation XXXX ( XXXX C.F.R. XXXX & XXXX ), which requires the prompt re crediting of consumer accounts for unauthorized electronic fund transfers and mandates that financial institutions provide the documentation relied upon in making their determination. 
Transaction Breakdown Below are the XXXX fraudulent transactions posted to my account on XX/XX/year>, identified as either Paid ( Wells Fargo refunded ) or Unpaid ( Wells Fargo refused reimbursement ) : {$51.00} Unpaid {$440.00} Unpaid {$580.00} Unpaid {$1600.00} Unpaid {$160.00} Unpaid {$890.00} Unpaid {$140.00} Unpaid {$560.00} Unpaid {$540.00} Unpaid {$39.00} Paid {$280.00} Paid {$290.00} Paid {$820.00} Unpaid {$450.00} Unpaid {$900.00} Unpaid {$81.00} Paid {$410.00} Paid {$77.00} Paid {$20.00} Paid Total Refunded ( Paid ) : {$2600.00} Total Outstanding ( Unpaid ) : {$5700.00} Key Issue Many of the unpaid transactions are of the same type, same merchant category, and same timeframe as those Wells Fargo approved and refunded. Wells Fargo has failed to explain the inconsistent treatment of these items or provide any substantiating evidence that they were authorized by me. 

They have also failed to produce despite repeated requests the documentation Regulation XXXX requires they provide, including : Merchant authorization logs Payment network data ( Visa/Mastercard ) XXXX XXXX XXXX notes Account access logs showing alleged authorization Any merchant-provided signatures or verification data Any relevant surveillance or video evidence

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