vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to formally dispute and demand immediate removal of multiple fraudulent hard inquiries on my credit report. These inquiries were not authorized by me, constitute identity theft, and are harming my credit profile. 

Fraudulent Hard Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX I did not authorize any of these inquiries, and any claim to the contrary is fraudulent. 

Legal Demand for Immediate Removal : FCRA 605B & 611 ( a ) ( 5 ) Because these inquiries are a result of identity theft, I am entitled to have them blocked from my credit report immediately upon submission of identity theft documentation. 

FCRA 607 ( b ) & 611 ( a ) You are required to conduct a reasonable and timely investigation. If any disputed information can not be verified with competent proof, it must be deleted immediately.

FCRA 623 ( a ) ( 8 ) & 15 U.S.C. 1681s-2 ( b ) Furnishers and credit bureaus must correct or delete inaccurate or fraudulent information, and reporting unverifiable items is a direct violation of federal law. 

Uniform Commercial Code ( UCC 3-403 & 3-404 ) Any use of my personal information to obtain credit without my consent constitutes unauthorized transaction and fraud, which is legally enforceable under UCC protections.

Immediate Action Requested : Delete all fraudulent hard inquiries listed above within 3 business days. 

Provide written confirmation of deletion and investigation results. 

If any inquiry is claimed to be authorized, provide all documentation proving authorization, including signed applications, IP logs, telephone recordings, or any electronic consent. 

Failure to comply with this request constitutes a willful violation of the FCRA and exposes your bureau to statutory damages, actual damages, and attorney fees. I reserve all rights to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursue legal remedies immediately.

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 2025-10-14 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: 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 UNAUTHORIZED INQUIRIES 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 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have requested for Bank of America to put a stop payment on XXXX several times ( XXXX ) since XXXX of XXXX. BoA has yet to put stop payment. I have contacted XXXX  several times from XX/XX/XXXX- XX/XX/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 monetary relief
Consumer complaint received 2025-10-14 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: MS

Complaint narrative:
To XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Revocation of Authorization under 15 U.S.C. 1681 et seq. ( Fair Credit Reporting Act ) Dear Whomever This letter serves as a formal dispute and notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

I am writing to assert that I have not provided written consent or authorization to your agency, or any of your affiliates, to collect, maintain, furnish, or disclose my personal credit information to any third party. According to 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report when it has received the consumers written instructions or authorization. 

At no time have I provided such written consent to your organization or to any entity to allow access or sharing of my consumer report. Therefore, I am demanding the following actions pursuant to the FCRA : 1. Provide verification and documentation of any written consent or authorization bearing my signature that grants your agency permission to obtain, store, or furnish my credit information.

2. If such documentation does not exist, immediately delete and remove any and all information that has been unlawfully furnished or reported without my consent.

3. Provide written confirmation that my personal credit file has been updated accordingly and that no further unauthorized access or distribution will occur.

Please note that failure to comply may constitute a violation of federal law and could subject your agency to civil liability under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 

I request a written response within 30 days of receipt of this letter, as required by the FCRA. Please send your response to the address listed above. 

Sincerely,

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 2025-10-14 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: Global Lending Services LLC
State: LA

Complaint narrative:
Auto loan was removed and added back to account. Despite never having done business with this company. I have provided police reports, fraudulent documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I am a victim of identity theft, beginning to my knowledge in XX/XX/XXXX. Police report and FTC Identity Theft Report No. XXXX have been filed. In summary, in XX/XX/XXXX, I received calls from a collection company regarding an XXXX XXXX XXXX phone bill. I did not create this account. I requested additional details from the collection agency and reported the account as fraudulent to XXXX XXXX XXXX. Months passed, and I did not receive any update from either party. In XX/XX/XXXX, I began to receive calls from a different collection company regarding this same fraudulent account. 

Please see the attached document that was submitted to XXXX XXXX XXXX. I have also filed a complaint with the FCC with Ticket No. XXXX. I have received emails from XXXX XXXX from the Office of the President [ contact information ( XXXX ) XXXX XXXX ] beginning XX/XX/XXXX, but as of XX/XX/XXXX have not received any of the information requested. 

Please see the attached document which contains the letter mailed to Credence Resource Management , LLC via certified mail by USPS with tracking number XXXX. The letter was " Delivered, Individual Picked Up at Postal Facility XXXX, MI XXXX XX/XX/XXXX, XXXXXXXX XXXX. '' As of the date of this submission XX/XX/XXXX no response has been recieved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-14 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: NV

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened TD Bank Checking account on XX/XX/year>. It was approved instantly, and I transferred fund of ~ {$2500.00} from other bank to it. However, I failed to access my account on XX/XX/year>. I called the customer service and they told me my account was locked and I had to go to branch to verify my identity. I did that on the same day. I've sent the banker proof of address and shown her my ID. 

Now, it's already XXXX business days, and I still couldn't access my account and fund. I have called the banker multiple times and she keeps saying " waiting for the verification ''. I just want my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I submitted a written dispute to [ XXXX XXXX XXXX ] regarding an account that is inaccurate and/or unverifiable. Under 15 USC 1681i, I have the legal right to a full reinvestigation. The company failed to properly investigate and continues to report inaccurate information. 
Additionally, they are in violation of : - 1681s-2 for reporting false or unverified data, - 1681e ( b ) for failing to ensure maximum possible accuracy, - 1681c for reporting obsolete/outdated information. 
I demand that this account be immediately removed as it violates multiple federal laws. I request that the CFPB step in and force compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX ( XXXX ) XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian Accounts in Dispute XXXX. XXXX XXXX XXXX XXXX ( Auto Loan ) Reported by : TransUnion, Experian, Equifax Account Type : Auto Loan / Collection / Charge-off Date Reported : XX/XX/XXXX Balance : {$19000.00} Reason for Dispute : The account was charged-off but continues to report inaccurate payment history and balance. XXXX XXXX reports consumer disputes after resolution, which is inconsistent with FCRA guidelines. The account appears unverifiable. 

XXXX. XXXX ( Credit Card ) Reported by : TransUnion, Experian, Equifax Date Reported : XX/XX/XXXX Balance : {$2400.00} Reason for Dispute : Account listed as charged-off / canceled by credit grantor despite prior payments. 
Dates of last activity vary between bureaus, indicating data inaccuracy and re-aging of debt. 

XXXX. XXXX XXXX ( Credit Card ) Reported by : TransUnion, Experian, Equifax Date Reported : XX/XX/XXXX Balance : {$470.00} Reason for Dispute : Account reports collection/charge-off with different balances and last payment dates among bureaus. 
Under FCRA 607 ( b ), furnishers must ensure maximum possible accuracy, which was not met. 

XXXX. XXXX XXXX ( Credit Card ) Reported by : TransUnion, Experian, Equifax Date Reported : XX/XX/XXXX Balance : {$2900.00} Reason for Dispute : Account was closed and paid, yet is still being reported as derogatory / charged-off. 
The same account number appears on multiple tradelines, which XXXX represent duplicate or merged file errors. 

XXXX. XXXX ( Credit Card ) Reported by : TransUnion, Experian, Equifax Date XXXX : XX/XX/XXXX Balance : {$7000.00} Reason for Dispute : This account shows XXXX days late despite being paid or closed. 
Late payment pattern and current balance reporting are inconsistent with the consumers payment history. 

XXXX XXXX  XXXX XXXX  XXXX XXXX by : Experian Date Reported : XX/XX/XXXX Balance : {$1700.00} Reason for Dispute : Account reports charge-off with no recent verification or supporting documentation. 
The account was allegedly settled in XXXX ; however, it continues to show unpaid balance reported as a loss. 

XXXX. XXXX ( Utility Account ) Reported by : Equifax Date Reported : XX/XX/XXXX Balance : {$120.00} Reason for Dispute : Account shows XXXX late and collection status even though it was paid and closed in XXXX. 
This account should no longer appear under FCRA 7-year reporting rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NV

Complaint narrative:
First things first, I use cashapp for a lot of purchases and withdrawals of money. Today on XX/XX/year>, an unknown withdrawal occurred at XXXX by an unknown XXXX XXXX. The bank it shows is The XXXXXXXX XXXX  Someone had gained access to my personal information, had access to my funds. It was about {$240.00}. I realized the withdrawal was made when I received an alert on my phone from Cashapp about my personal bank accounts being disconnected. I thought it was weird, so I went and took a look and it was gone. I immediately contacted customer service. I had a woman assist me during this happening. She had me on the phone for an XXXX and XXXX leaving me in circles about what was going to happen to my situation. She basically told me I would not be seeing my money most likely and theres not much she could do for me on her end. I was extremely upset and demanded them do something for me but she did not budge. She then said she escalated me and I asked for a reference number and gave me a fake one. I have it all recorded on my end. It was completely unacceptable and unprofessional. I was grocery shopping when this happened. If you could please look into this. Im worried about not getting food this week. That was all I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: VA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: CO

Complaint narrative:
I previously filed a complaint and dispute because a child support account was reported on my credit file long past the 7-year limit allowed under the Fair Credit Reporting Act ( 15 U.S.C. 1681c ). The issue is not about fixing my credit reportit was already removed after I paid itbut about the fact that it stayed on my report illegally for many years, causing major harm to my credit and finances. 

TransUnion, and Equifax failed to properly investigate after my first dispute. TransUnion sent a clarification request even though I had already provided all information needed. Equifax sent a letter dated XX/XX/year>, claiming the investigation was complete but without providing the legally required reinvestigation results or the furnishers information. Equifax also sent an unrelated email on XX/XX/year>, about a credit file delivery issue that had nothing to do with this dispute. 

Both companies violated the FCRA by failing to conduct a reasonable reinvestigation and by not providing the required results under 15 U.S.C. 1681i ( a ) ( 6 ). I am requesting CFPB review and enforcement for these violations.

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 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I submitted a written dispute to [ TransUnion, Experian, Equifax ] regarding an account that is inaccurate and/or unverifiable. Under 15 USC 1681i, I have the legal right to a full reinvestigation. The company failed to properly investigate and continues to report inaccurate information.

Additionally, they are in violation of : - 1681s-2 for reporting false or unverified data, - 1681e ( b ) for failing to ensure maximum possible accuracy, - 1681c for reporting obsolete/outdated information.

I demand that this account be immediately removed as it violates multiple federal laws. I request that the CFPB step in and force compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am victim of identity theft and someone stole my persona information and identity to open this fraudulent account and inquiries in my name without my consent. I am requesting for Transunion to block and remove this fraudulent account and inquiries immediately upon receiving my dispute. I did not benefit from any goods or services of this fraudulent account and inquiries. 
XXXX. XXXX XXXX XXXX XXXX XXXX The following inquiries need to be blocked and removed immediately XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX  XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year>

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