vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Over 9 months ago, I requested the credit bureaus to investigate several accounts with collection companies that I had never done business with or given permission to put anything on my credit report. They have failed me with improper investigations and failed to send me any results to verify such investigations.

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 2025-04-24 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: AL

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 2025-04-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Wife opened Best Buy credit card. I was present, but did not authorize them to list me as an authorized user. 

I do not have the card number, nor will Best Buy speak to me about the account since it isn't mine.

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 2025-04-24 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This complaint is intended to supplement an existing open CFPB case Complaint # XXXX regarding Chases refusal to consider a goodwill adjustment on a closed credit card account ending in [ XXXX ]. 

Chase has responded with a templated voicemail citing policy and accuracy obligations, which fails to address the specific and reasonable nature of my request. The account in question was closed and paid in full. The late payments occurred in XXXXnearly six years agoand no longer reflect my current risk profile or credit behavior. 

I have maintained perfect payment history for over five years and rebuilt my credit to a near-prime score. Im also the owner of a small business in XXXX XXXX and a current Chase checking customer. The continued presence of these outdated marks, and Chases unwillingness to engage on the merits of my request, actively obstructs my access to fair lending and small business resources. 

I have submitted a formal appeal directly to XXXX XXXX XXXX and Chases Executive Office, and am documenting this supplemental complaint to ensure the full scope of this matter is reviewed in detail by the CFPB. 

Supporting documentation includes a final executive appeal letter sent to XXXX XXXX XXXX and the Chase Executive Office, and a transcript of the voicemail response I receiveddemonstrating that my request was never meaningfully engaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: FL

Complaint narrative:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. 

I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. 

Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience. 

Thank you for your assistance. 



Account XXXX : XXXX XXXX Account 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 2025-04-24 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: FL

Complaint narrative:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. 

I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. 

Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience. 

Thank you for your assistance. 



Account XXXX : XXXX XXXX Account XXXX : XXXX * * * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated

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 2025-04-24 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: OH

Complaint narrative:
XX/XX/XXXX None of these addresses is is tied to my account. Therefore under FCRA and FTC needs to be removed immediately off my credit report. 

Manual verification is required from notice. These items are illegal and needs to be removed asap.

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, Equifax, Experian . These accounts needs to be removed immediately.

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, Equifax, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, Transunion, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, Equifax, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$300.00} XXXX XXXX XXXX  XXXX {$300.00} Balance $ XXXX Date Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX  Date Opened XX/XX/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 explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-04-24 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: CA

Complaint narrative:
Dear equifax, experian, transunion, im writting to formally dispute again under FCRA 605B as these 4 accounts attached to the FTC report have been reinserted illigally back onto my consumer creditreport. This reassertion is not permitted unless the furniture certifies the information as accure and is nolt the resultof identity theft, and I am provided written noticeat least 5 business days before the information is reinserted. FCRA 15 U.S. C 1681 ( d ) ( 2 ) ( a ) ( i ) definitions rules of construction exclusions! I was never given the opportunity to opt out as consumer law says im afforted! 15 U.S.C 6801 saysthat thesefinancial institutions are suppose to protect my personal information as a safe guard continuously with confidentiality meanning they dont ever got the right to report my person information when I didnt give them permission for ir to be reportedas in the conclusion section says its against the law 15 U.S.C 6802 & 6804 section A, B & C! Not provided non disclosure opportunity.

If I may kindly request these address be removed from my report as well. I ran out of characters on the FTC report. 

( XXXX ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, ca XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX ( XXXX ) XXXX XXXX CT. 
XXXX XXXX, ca XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX, Ca XXXX ( XXXX ) XXXX XXXX XXXX XXXX 
XXXX, Ca XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX - XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX 
XXXX, ca XXXX ( XXXX ) XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, ca XXXX ( XXXX ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, ca XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: CA

Complaint narrative:
Dear equifax, experian, transunion, im writting to formally dispute again under FCRA 605B as these 4 accounts attached to the FTC report have been reinserted illigally back onto my consumer creditreport. This reassertion is not permitted unless the furniture certifies the information as accure and is nolt the resultof identity theft, and I am provided written noticeat least 5 business days before the information is reinserted. FCRA 15 U.S. C 1681 ( d ) ( 2 ) ( a ) ( i ) definitions rules of construction exclusions! I was never given the opportunity to opt out as consumer law says im afforted! 15 U.S.C 6801 saysthat thesefinancial institutions are suppose to protect my personal information as a safe guard continuously with confidentiality meanning they dont ever got the right to report my person information when I didnt give them permission for ir to be reportedas in the conclusion section says its against the law 15 U.S.C 6802 & 6804 section A, B & C! Not provided non disclosure opportunity.

If I may kindly request these address be removed from my report as well. I ran out of characters on the FTC report. 

( XXXX ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, ca XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX ( XXXX ) XXXX XXXX CT. 
XXXX XXXX, ca XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX, Ca XXXX ( XXXX ) XXXX XXXX XXXX XXXX 
XXXX, Ca XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX - XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX 
XXXX, ca XXXX ( XXXX ) XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, ca XXXX ( XXXX ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, ca 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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX * * Balance : {$2700.00}, XXXX XXXX XXXX XXXX * * * * Balance : {$9600.00}, XXXX XXXXXXXX XXXX * Balance : {$520000.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and 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 your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are 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
Consumer complaint received 2025-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
Unauthorized transactions while my debit card was in my pocket - how could cash app company not verify this? 
Date Description Amount Disputed Amount XXXX CASH APP XXXX XXXX XXXX XXXX XXXX XXXX CASH APP XXXX XXXX XXXX XXXX XXXX XXXX CASH APP XXXX XXXX XXXX XXXX XXXX XXXX CASH APP XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: NY

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 2025-04-24 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am receiving stall letters instead of results of things out of compliance being removed from my consumer file and it is impacting my ability to obtain credit to better my life.

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 2025-04-24 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 receiving stall letters instead of results of things out of compliance being removed from my consumer file and it is impacting my ability to obtain credit to better my life.

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 2025-04-24 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: NY

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief