vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I have a bunch of new inquiries that i did not authorize. I'm not sure if my identity has been compromised or what but i didn't authorize any of these listed below. 

Equifax : XXXX Date of Inquiry XX/XX/year> Experian : XXXX XXXX  Date of Inquiry XX/XX/year> Experian : XXXX Date of Inquiry XX/XX/year> TransUnion : XXXX XXXX Date of Inquiry XX/XX/year> TransUnion : XXXX Date of Inquiry XX/XX/year> Equifax : XXXX XXXX  Date of Inquiry XX/XX/year> Equifax : XXXX Date of Inquiry XX/XX/year> Equifax : XXXX  Date of Inquiry XX/XX/year> Equifax : XXXX XXXX Date of Inquiry XX/XX/year> Equifax : XXXX Date of Inquiry XX/XX/year> Experian : XXXX XXXX  Date of Inquiry XX/XX/year> Experian : XXXX/ Date of Inquiry XX/XX/year> Experian : XXXX XXXX Date of Inquiry XX/XX/year> Experian : XXXX XXXX Date of Inquiry XX/XX/year> TransUnion : XXXX XXXX  Date of Inquiry XX/XX/year> TransUnion : XXXX Date of Inquiry XX/XX/year> TransUnion : XXXX XXXX Date of Inquiry XX/XX/year> TransUnion : XXXX XXXX XXXX Date of Inquiry 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 explanation
Consumer complaint received 2025-07-14 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: DC

Complaint narrative:
I have a bunch of new inquiries that i did not authorize. I'm not sure if my identity has been compromised or what but i didn't authorize any of these listed below. 

Equifax : XXXX Date of Inquiry XX/XX/year> Experian : XXXX XXXX  Date of Inquiry XX/XX/year> Experian : XXXX Date of Inquiry XX/XX/year> TransUnion : XXXX XXXX Date of Inquiry XX/XX/year> TransUnion : XXXX Date of Inquiry XX/XX/year> Equifax : XXXX XXXX  Date of Inquiry XX/XX/year> Equifax : XXXX Date of Inquiry XX/XX/year> Equifax : XXXX  Date of Inquiry XX/XX/year> Equifax : XXXX XXXX Date of Inquiry XX/XX/year> Equifax : XXXX Date of Inquiry XX/XX/year> Experian : XXXX XXXX  Date of Inquiry XX/XX/year> Experian : XXXX/ Date of Inquiry XX/XX/year> Experian : XXXX XXXX Date of Inquiry XX/XX/year> Experian : XXXX XXXX Date of Inquiry XX/XX/year> TransUnion : XXXX XXXX  Date of Inquiry XX/XX/year> TransUnion : XXXX Date of Inquiry XX/XX/year> TransUnion : XXXX XXXX Date of Inquiry XX/XX/year> TransUnion : XXXX XXXX XXXX Date of Inquiry XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: 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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Request for Investigation and Removal of Closed Accounts Dear XXXXTransUnion, I am writing to formally dispute the reporting of certain closed accounts on my credit report. I recently obtained a copy of my credit report from your agency, and I have identified the following account ( s ) that I believe should be removed : Creditor Name : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason for Dispute : Account is not mine. 

According to the Fair Credit Reporting Act ( FCRA ), outdated or inaccurate information should not remain on a consumers credit file. Closed accounts with no negative history are not required to be reported and can be removed if no longer relevant. I kindly request that you investigate this/these account ( s ) and remove them from my credit report.

I have attached the following documents to support my request : A copy of my credit report with the account ( s ) highlighted A copy of my ID ( drivers license or other government-issued ID ) A copy of a recent utility bill or bank statement as proof of address Please complete your investigation within the 30-day time period as required by the FCRA and provide written confirmation of the outcome. If you determine that the account ( s ) are inaccurate, outdated, or unverifiable, I respectfully request their removal from my credit file. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-07-14 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Investigation and Removal of Closed Accounts Dear XXXX/Equifax/XXXX, I am writing to formally dispute the reporting of certain closed accounts on my credit report. I recently obtained a copy of my credit report from your agency, and I have identified the following account ( s ) that I believe should be removed : Creditor Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reason for Dispute : Account is not mine. 

According to the Fair Credit Reporting Act ( FCRA ), outdated or inaccurate information should not remain on a consumers credit file. Closed accounts with no negative history are not required to be reported and can be removed if no longer relevant. I kindly request that you investigate this/these account ( s ) and remove them from my credit report.

I have attached the following documents to support my request : A copy of my credit report with the account ( s ) highlighted A copy of my ID ( drivers license or other government-issued ID ) A copy of a recent utility bill or bank statement as proof of address Please complete your investigation within the 30-day time period as required by the FCRA and provide written confirmation of the outcome. If you determine that the account ( s ) are inaccurate, outdated, or unverifiable, I respectfully request their removal from my credit file. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$780.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: I.C. System, Inc.
State: FL

Complaint narrative:
The company is charging me and have sent it to collections agencies and I have no information about these agencies

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 2025-07-14 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
The company is charging me and have sent it to collections agencies and I have no information about these agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: Self Financial Inc.
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have tried for the third time to fix my personal information both name and address by attaching the information and it has not been answered properly. Please, I need that based on the information I attach, my name and surname as well as my address are modified! ; all other names and addresses can be deleted in order to avoid future inconveniences with my reports. 

Wrong name : 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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To : Experian XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Formal Request for Reinstatement and Update of XXXX XXXX  Account Name : XXXX Account Open Date : XX/XX/XXXX Dear Experian, I am writing to formally demand the reinstatement and proper updating of my XXXX tradeline, listed as XXXX which was previously reported on my credit file. 

This account was opened on XX/XX/XXXX, with a verified monthly payment of {$2000.00}. It is tied to my residence at XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, and managed by landlord XXXX XXXX ( Email : XXXX | Phone : ( XXXX ) XXXX ). According to your last reporting dated XX/XX/XXXX, the account was in excellent standing with a 100 % on-time payment history for over 11 years. 

However, it has come to my attention that this account has been either removed or is no longer updating on my Experian credit report. This is inaccurate and damaging to my consumer profile, especially considering that : I continue to reside at the same address and pay rent monthly, currently up to and including XX/XX/XXXX, with no lapse in payments. 
The account status in my XXXX portal remains Active and valid as of today. 
I have attached proof from both XXXX and my credit report reflecting the legitimacy and long-standing nature of this tradeline. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), you are required to conduct a reinvestigation into any item a consumer disputes as inaccurate or incomplete, and to correct or update the information if it is found to be inaccurate or incomplete. 

Accordingly, I request that you : 1. Reinstate the XXXX ( XXXX ) tradeline on my credit file. 
2. Update the account to reflect continued on-time monthly rent payments through XX/XX/XXXX. 
3. Confirm this correction in writing once completed. 

Please consider this letter as a formal dispute and request for reinvestigation. If the tradeline is not reinstated and updated within the 30-day window allowed by law, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue any legal remedies available under federal law. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that this account has been restored and properly updated. 

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 2025-07-14 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: 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. 


FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
XXXX XXXX. Date account was fraudulenty opened was XXXX. 



As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX  ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Received a letter from Barclays stating that my application for a XXXXXXXX XXXX Rewards Credit Card requires additional information and provided a number to call. I DID NOT SUBMIT AN APPLICATION FOR THIS CREDIT CARD AND SUSPECT CREDIT FAUD. 

I tried contacting the organization using a number I looked up on the web but could not get through. I am unclear if this is actual credit FRAUD or DECEPTIVE MARKETING. 

I will be filing a credit fraud alert with the FTC on IdentityTheft.gov

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 2025-07-14 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). 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 ( EFTA ) and Regulation E. 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 2025-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, 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 non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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