vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: IL

Complaint narrative:
b"This CFPB complaint has been filed to request pursuant to FCRA  605B (15\nU.S.C.  1681c-2) that you the TransUnion credit reporting agency, block\ninformation appearing on my consumer credit report that is the result of identity\ntheft and fraud within 4 business days of you receiving this complaint. These\nfraudulent accounts consist of an account opened at XXXX\nXXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in\nseveral\nfraudulent hard inquiries and fraudulent collections appearing on my consumer\nFICO credit report. I've attached a list of the hard inquiries in question as well as\na copy of the consumer FICO credit report maintained by you which shows the\naforementioned fraudulent items. I do not recognize the aforementioned\naccounts, collections, or hard Inquiries as reported. The aforementioned\naccounts, collections, and hard inquiries appearing on my consumer credit report\nmaintained by you were not opened, made, or initiated by me. All of the\naforementioned accounts, collections, and hard inquiries are the result of identity\ntheft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint\nas proof from the US Federal Trade Commission that all of the aforementioned\nconsumer credit accounts, collections, and hard inquiries are the result of identity\ntheft and fraud.\nI am filing this FTC Identity the"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
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 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 2025-06-20 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: IL

Complaint narrative:
I hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following debts ( s ) MUST be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, Senate Bill 5480 : XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX 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 2025-06-20 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: LA

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 - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX * - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am the victim of identity theft and am reporting several unauthorized credit inquiries made without my knowledge or consent. I did not apply for credit or authorize any third party to do so on my behalf. The following inquiries are fraudulent : XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, and XXXX inquiries from XXXX XXXX XXXX XXXX XXXX. I have no relationship with these companies and never granted permission for these inquiries. These actions are a violation of my consumer rights and were made using my personal information without authorization. I request a full investigation and immediate removal of these inquiries from all consumer reporting agencies. This report supports my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2. I am placing a fraud alert and requesting all legal protections due to me as a victim of identity theft. Please take prompt action to correct this matter and prevent further misuse of my 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
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please review this complaint carefully, as it was not submitted in error. My credit report appears to contain mixed or merged information, including accounts, transactions, and other items that do not belong to me. This is a serious issue that is causing significant stress, anxiety, and potential damage to my financial reputation.

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 2025-06-20 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:
Please review this complaint carefully, as it was not submitted in error. My credit report appears to contain mixed or merged information, including accounts, transactions, and other items that do not belong to me. This is a serious issue that is causing significant stress, XXXX, and potential damage to my financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates 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 inconveniences and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/year> TransUnion XXXXXXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion XXXX  XXXX XX/XX/year> TransUnion XXXX XXXX XXXXXX/XX/year> TransUnion

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 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I received a notification on my XXXX about a collection that I dont have any idea what it is, this is the first time I hear from it so I dont know what they are trying to collect, I need it deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I some some inaccurate negative items on my credit report. I contacted the furnished, received no verifiable response and Im requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA ). Please remove these unverifiable items.

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 2025-06-20 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX - initial request for WF to report to CRAs. I was added XXXX, XXXX, but did not see any references on any CRAs. 

XXXX XXXX, XXXX - faxed 2nd request to add authorized user to credit report. Faxed from and confirmed received from Wells Fargo, in XXXX XXXX, CA. I used the banks internal fax machine. 
Letter included my name, address, and social security info. for correct identification and reporting. 

XX/XX/XXXX - I escalated issue of not seeing reporting on credit reports. 
XXXX XXXX XXXX opened ticket. 
Ticket : XXXX XX/XX/XXXX - XXXX XXXX stated WF is reporting correctly, however, I still do not see it on my reports. He suggested I open another ticket to address incorrect reporting. 

XX/XX/XXXX received correspondence that WF needed more time. 
XXXX XXXX : XXXX XX/XX/XXXX - XXXX called me and reiterated same information on initial ticket and again I disputed him, informing him I have logged into XXXX, and now XXXX, and do not see any reporting. He blamed the credit bureaus, and claimed that I need to ask them to merge the information. I then asked him what identifiers WF was reporting on and he stated he didn't have my social security number. He, as the furnisher of the initial data, must have that information to correctly report on a person 's credit file. 
He should not place the blame on the CRA to decide whose data goes with whose name. They need to report accurately. 
I contacted XXXX  right after this phone call and they said the dispute needs to start with the furnisher, as they do not make decisions on data. 

Sent a few follow up emails giving WF the FCRA XXXX ' responsibilities and again reiterated my personal info. 

XX/XX/XXXX - called and obtained name of Asst VP Research Dept. info. Will also contact directly to follow up with incorrect reporting by WF. 

This has already taken 3 years to get escated and it is still not resolved. All I am requesting is for WF to please report information to the correct file.

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 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one engaged in deceptive practices by " Charging Off '' my account ( XXXX ) without offering a legally required payment plan which violates the CARD Act. They also falsely reported a " CO '' status to all 3 credit bureaus despite making on-time payments for 3+ years in violation of FCRA law regarding accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: OK

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 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
Account Number : XXXX XXXX XXXX XXXX XXXX Issue XXXX XXXX XXXX Incorrect information on your credit report This account ( XXXX XXXX XXXX, Acct # XXXX ) reflects Repossession marked while showing as open across other bureaus. Despite prior written disputes, the company has failed to verify the information or correct it as required. This constitutes a Violation of FCRA XXXX, XXXX ( b ). 
Account Number : XXXX XXXX XXXX XXXX XXXX Issue : XXXX XXXX Incorrect information on your credit report This account XXXX XXXX XXXX, Acct # XXXX ) reflects Reports 90-day delinquency the same month as charge-off. Despite prior written disputes, the company has failed to verify the information or correct it as required. This constitutes a Violation of FCRA 1681e ( b ).

I am requesting full deletion of this account from all consumer reports. Additional errors exist but are being withheld unless the account is not deleted.

Submitted under FCRA 1681e ( b ), 1681i ( a ), and 1681s-2.

Account Number : XXXX XXXX XXXX XXXX XXXX Issue : XXXX XXXX Incorrect information on your credit report This account ( XXXX XXXX XXXX, Acct # XXXX ) reflects {$5700.00} charged-off balance listed post-closure with inconsistent notes. Despite prior written disputes, the company has failed to verify the information or correct it as required. This constitutes a Violation of FCRA 1681e ( b ).

I am requesting full deletion of this account from all consumer reports. Additional errors exist but are being withheld unless the account is not deleted.

Submitted under FCRA 1681e ( b ), 1681i ( a ), and 1681s-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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Attached is the letter from my lawyer. All singned formal notarized documents including ID and XXXX have all been sent as of XX/XX/XXXX XXXXYou guys have to explain to me legally how XXXX XXXX  XXXX can collect a debt they never advised that they have or owned, they didn't give me time to research or dispute any of the cost or assumptions, they never contacted me in anyway asking me about the account and even when you let them report ALL THE INFORMATION IS MISSING. I know that's breaking some kind of law because I asked a lawyer see below! Send me who you contacted how when and what was sent to them to you and when you sent it to me to approve before posting the account. As for the actual company you bought this debt from God knows who and we all know FCRA says technically without a signed agreement between me and you thanks but you now have settled alleged debt with the company and have XXXX right to collect. Not only that if you have all the legal information from the orginal person owning this account you would easily have my up to date address ( or they would had forwarded the mail ) and my number and email and I got XXXX contact from you guys you illegally just posted and we all know as I said posting with XXXX notice is illegal. I see based on reviews you guys are scammers and use this as a tactic to illegally collect. I have contacted the Attorney General as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
Attached is the letter from my lawyer. All singned formal notarized documents including ID and XXXX have all been sent as of XX/XX/XXXX XXXX guys have to explain to me legally how XXXX XXXX  XXXX can collect a debt they never advised that they have or owned, they didn't give me time to research or dispute any of the cost or assumptions, they never contacted me in anyway asking me about the account and even when you let them report ALL THE INFORMATION IS MISSING. I know that's breaking some kind of law because I asked a lawyer see below! Send me who you contacted how when and what was sent to them to you and when you sent it to me to approve before posting the account. As for the actual company you bought this debt from God knows who and we all know FCRA says technically without a signed agreement between me and you thanks but you now have settled alleged debt with the company and have XXXX right to collect. Not only that if you have all the legal information from the orginal person owning this account you would easily have my up to date address ( or they would had forwarded the mail ) and my number and email and I got XXXX contact from you guys you illegally just posted and we all know as I said posting with XXXX notice is illegal. I see based on reviews you guys are scammers and use this as a tactic to illegally collect. I have contacted the Attorney General as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief