vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: VA

Complaint narrative:
FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from EXPERIAN EQUIFAX TRANSUNION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
FRAUDULENT INQUIRES : 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 XXXXXX/XX/XXXX these accounts were opened fraudulently without my authorization and inquires are fraudulently made without my authorization. Per FCRA 605B ( 15 U.S.C. 1681c-2 )

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXXSubject: Dispute of Alleged Debt  Request for Deletion of XXXX Charge from Credit ReportXXXXDear Transworld Systems,XXXXI am writing to formally dispute a XXXX  collection account that you are reporting on behalf of XXXX XXXX  (also listed as XXXX XXXX XXXX XXXX. This debt is inaccurate and must be removed from my credit report immediately.XXXXThis charge stems from a deposit payment my former spouse and I made in connection with an apartment application at XXXX XXXX We paid the XXXX deposit and submitted the application with the understanding that the application fee was free. However, we were later informed that a double deposit would be required due to one item showing on our credit report. At that point, we made the decision not to move forward with the lease and requested our deposit back.XXXXDespite this, the $150 has since been turned over to your agency as a collection item. This is factually and contractually inaccuratewe never took possession of the unit, and the application process was canceled before any lease was signed or any services renderedXXXXWe have contacted XXXX XXXX directly to resolve the matter and informed them that this charge is in dispute. Nonetheless, this inaccurate charge-off continues to appear on my XXXX credit report and possibly others, reporting in a derogatory status.XXXXImpact and Resolution Request:XXXXThis false debt is causing punitive damages, including but not limited to:XXXXDenials for student loans and credit applications\n\nRejections for rental housing and disruption of life following my divorceXXXXNegative impact on my credit score and ability to rebuild financially\n\nIn accordance with the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA), I am requesting the immediate deletion of this inaccurate item from all credit bureaus and that your agency cease all collection activity related to this accountXXXXIf you are unable to provide complete documentation verifying the validity of the debt, including a signed lease agreement and record of services rendered, you are obligated to remove this itemXXXXThis letter also serves as notice that I am preparing a complaint to be filed with the Consumer Financial Protection Bureau (CFPB) and the XXXX Attorney Generals Office should this item remain unresolved.\n\nPlease respond to this dispute in writing within XXXX  days, as required by federal law.XXXXSincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXOptional: Letter to XXXX XXXX XXXX versionXXXXYou can use the same letter and change the recipient to:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Request for Correction of Erroneous Debt Sent to Collections'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: CT

Complaint narrative:
Hi I used my cash app card to stay at a hotel and the hotel put a {$150.00} hold on the card. 
The hotel released the hold back to cash app and cash app refuses to release back to me. They requested documentation from the place where I stayed that shows the transaction, that I has provided and they told me this was not good enough because they want the main logo to say the name of the hotel, even though the hotels name is on the recipe. Cash app has hung up the phone on me and refused to answer any of my questions and not explaining why the document isnt good enough. I have proof of the document and its strait forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
Yesterday, XXXX XXXX XXXX, I received a notification from So-Fi, indicating my account had been restricted and advising I call them to resolve the issue. After waiting for an eternity to receive a response, and optioning to have them call back, I called them again as I was not contacted in the time time frame the automated message advised I would be receiving a callback. After I spoke to the customer service agent he advised my account was being prepared for closure, and that this decision was irreversible. After asking for the reason this was being done, he indicated there was no further information he could provide. After requesting to speak to a supervisor, he indicated he had placed me on a callback request list for a supervisor to contact me. A call that was never received as no supervisor ever called me back. After contacting them again this morning I was told by the agent I spoke to that my funds were being investigated. Funds that were deposited into my account via direct deposit from my payroll check. I explained that the funds that they were essentially holding hostage were crucial to me as I live paycheck to paycheck and take care of my elderly parents, and I needed to have access to my funds as my literal ability to eat and commute to & from work relied on the access to my money. I was told once again that nothing could be done, and I could not speak to a supervisor but I could be placed on the list for a calm back. The same list that led to them blatantly ignoring me and never contacting me. My ability to not only feed myself but my XXXX XXXX XXXX parents have now been completely taken away for no legitimate reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: MI

Complaint narrative:
Please be advised that due to a data breach, fraudulent accounts now appear under my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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 did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
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 2025-05-21 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 did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
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 non-monetary relief
Consumer complaint received 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiries to be removed : 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 non-monetary relief
Consumer complaint received 2025-05-21 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-05-21 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-05-21 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: CO

Complaint narrative:
b'Subject: Experian Refuses to Remove Incorrect Mortgage Account Despite Verification and XXXX  Correction\n\nTo Whom It May Concern,\n\nI am filing this complaint against Experian for continuing to report a mortgage account that does not belong to me, even after repeated disputes and third-party verification confirming the inaccuracy.\n\nThe mortgage account in question is with United Wholesale Mortgage. I contacted them, and they confirmed that I am not associated with this loan. I am not listed on the mortgage and have no financial responsibility for it.\n\nBased on this, I filed a dispute with Experian on XXXX XXXX XXXX. Experian responded with:\n\n"The information you disputed has been verified as accurate; however, information unrelated to your dispute has been updated. Please review your report for the details."\n\nI don\'t think any corrective action was taken. I then submitted a second dispute on XXXX XXXX XXXX and have yet to receive a response as of the date of this complaint.\n\nMeanwhile, I filed a similar dispute with XXXX, which investigated and promptly removed the incorrect mortgage account and its late payment history from my credit report. I am attaching a copy of my updated XXXX credit report as evidence.\n\nDespite clear documentation and a precedent set by XXXX, Experian has failed to take any meaningful action. This inaction has had severe consequences:\n\nMy credit score has dropped.\n\nI was denied financing for a vehicle purchase.\n\nI cannot qualify for credit cards due to my damaged credit.\n\nI am requesting that the CFPB intervene and require Experian to:\n\nRemove the inaccurate mortgage account from my credit report.\n\nReverse the negative credit impact, including any late payments associated with the account.\n\nProvide a written explanation of how the account was "verified" as accurate despite documented evidence.\n\nPlease treat this as an urgent matter. I am attaching a copy of my corrected XXXX  report for you to look over.\n\nThank you for your time and assistance.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 2025-05-21 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: CA

Complaint narrative:
I'm writing to dispute the late payments reported on my credit file for the account in question. Im asking that you validate this information, as I believe the reported late payments are inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BMO Harris closed this card, in good standing, and with no defaults, late payments, etc. I realize that is their right, and that is not the complaint.

Their rewards program lays out clear rules regarding when the rewards may be forfeited. They are at XXXX XXXX XXXX  I was within all those rules, and they will not allow me to redeem the remaining rewards balance.

The amount is small, but judging from the numerous posts on social media and banking sites, BMO closed hundreds, if not thousands of cards. Again, their right, but taken in the aggregate they may have withheld thousands, if not tens of thousands of dollars of customer 's rewards.

My complaint, in simple, is that they need to refund ( now via check, as the account is paid in full ) my, and other 's rewards balances from any card which was closed by them while in god standing.

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 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief