vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : Experian Subject : Dispute of Inaccurate Late Payment on Credit Report XXXX XXXX XXXX ( Account # XXXX ) Dear Experian I am writing to formally dispute inaccurate information reported on my credit file concerning a late payment on my XXXX XXXX XXXX account # XXXX, with a reported delinquency date of XX/XX/year>. 

This late payment is factually incorrect. I have maintained timely payments on this account and have never missed or made a late payment. I respectfully request that this inaccurate late payment notation be investigated and removed immediately from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute information I believe is inaccurate, and I request that you perform a reasonable investigation into this matter. In accordance with FCRA Section 611, you are required to investigate the disputed information, forward my dispute to the data furnisher ( XXXX XXXX XXXX ), and correct or delete any information found to be inaccurate or unverifiable within 30 days.

Enclosed you will find : A copy of my photo ID A written explanation of the error I request that you provide written confirmation of your investigation and any updates made to my credit file. Please also send me an updated copy of my credit report once the correction is made.

Thank you for your prompt attention to this matter.

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 2025-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
XXXXZelle number has been blocked from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXNo explanation , this has stoped me from using number in any bank app, also nor zelle or bank wants to deal with situation'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
XXXX accounts were closed XX/XX/year> ending in XXXX and XXXX. 

I have had some returned payments but have a legitimate reason why and steps to avoid in future. 

I had a XXXX and receive XXXX for cognitive issues one being short term memory. 

I made payments forget to transfer money and was thru were returned and resolved immediately. I recently lost my debit card another issue related to XXXX so I was charging a lot on these cards. 

The steps being taking to avoid in future is my sister will be making all payments in future. Her name is XXXX XXXX XXXX. 

Thank you for your help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: KS

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of 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 XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9900.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/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 non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an XXXX XXXX According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. 
I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for on the FTC REPORT PROVIDE as well. 
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 2025-06-15 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: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an XXXX XXXX According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. 
I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for on the FTC REPORT PROVIDE as well. 
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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX assumed a fraudulent account through an acquisition and refuse to accept the FTC ID theft report. They continue to report it to the credit bureau.

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 2025-06-15 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: MT

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of 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 XXXX MT XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have disputed multiple times within the past two months to XXXX to : Deletion of Entire Consumer File, because I am a identity theft victim. XXXX have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: MO

Complaint narrative:
I discovered multiple hard inquiries listed on my credit reports with Equifax, Experian, and TransUnion that I did not authorize, nor do I have any existing accounts or applications with these companies. These inquiries negatively impact my credit score and were made without a permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ) 604.

I submitted formal written disputes to each of the three credit reporting agencies, requesting deletion of the following unauthorized inquiries and demanding reinvestigation. Each bureau failed to properly remove these inquiries or provide documented evidence of my consent or a permissible purpose for accessing my credit report. 

TransUnion inquiries disputed ( all dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Each of these inquiries should be verified by the bureaus with documented proof of a permissible purpose or written authorization otherwise, they are required to be removed. The bureaus either failed to properly reinvestigate or continued reporting the inquiries without providing documentation.

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I submitted formal disputes to all three credit reporting agencies regarding two charged-off accounts reported by XXXX XXXXXXXX XXXX  XXXX These accounts appear under the following partial account numbers : XXXX * * * * ( Opened XX/XX/XXXX ) * * XXXX * * * * ( Opened XX/XX/XXXX ) * * Despite my dispute, the accounts continue to be reported with material inaccuracies and legal violations under the Fair Credit Reporting Act ( FCRA ). These issues include : 607 ( b ) : Inconsistent and inaccurate data The accounts show different payment histories, conflicting dates of last activity, and varying charge-off statuses across Equifax, Experian, and TransUnion. 

623 ( a ) ( 3 ) : Failure to note disputed status Experian shows the accounts as disputed. However, Equifax and TransUnion do not reflect the dispute, violating FCRA requirements to clearly note disputed accounts with all CRAs.

611 : Failure to reinvestigate I had already submitted a dispute regarding these accounts, but no meaningful correction or explanation has been provided. The inconsistencies remain, suggesting a failure to conduct a proper reinvestigation. 

Suspected unlawful re-aging of debt Both accounts were closed/charged off years ago, yet the CRAs recently updated them with a Date of Last Activity and Date Reported of XX/XX/XXXX, which could extend how long the negative items stay on my credit a violation if unsubstantiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
XXXX : Received email XXXX XXXX ) from LVNV Funding LLC, they also say they are a part of Resurgent Capital Services ( Resurgent Capital Services L.P. California Debt Collector License Number : XXXX ). Asking me to login and pay a debt I never looked at it as it's only say information about my first and last name in the emails too.. I asked for the proof of debt to be mailed to my current address and a copy set to my email or if they do not want to provide information on the debt to stop contacting. 

XXXX : Received email XXXX XXXX ) from LVNV Funding LLC, they also say they are a part of Resurgent Capital Services ( Resurgent Capital Services L.P. California Debt Collector License Number : XXXX ). Asking me to login and pay a debt from XXXX XXXX ( Of the amount {$3100.00} Under Resurgent ID : XXXX ). I have never had a XXXX XXXX account, it's only say information about my first and last name in the emails too.. I asked for the proof of debt to be mailed to my current address and a copy set to my email or if they do not want to provide information on the debt to stop contacting. It sounds like there just trolling/farming out emails to " XXXX XXXX XXXX in order to get contact with someone ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: NJ

Complaint narrative:
I'm filing this complaint under the FCRA due to the willful noncompliance of the credit bureaus & data furnishers improperly investigating my disputes, as required under 15 usc1681 & 15 usc 1681 A-2 ( B ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation & have continued to report inaccurate information to my credit report. Furthermore, the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to uphold their responsibilities under the FCRA constitutes a violation of my consumer rights.

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 2025-06-15 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: FL

Complaint narrative:
Equifax and TransUnion ] Subject : Request to Block Fraudulent Information under 15 U.S. Code 1681c-2 ( FCRA Section 605B ) Dear Credit Bureau I am writing to you pursuant to 15 U.S. Code 1681c-2 to formally request that you block all information on my credit report that has resulted from identity theft. 
The following accounts are fraudulent and were opened or created without my knowledge, authorization, or consent : XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX  XXXX XXXX {$260.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$6200.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$9200.00} I have enclosed the following documents to support my request and meet the requirements under the Fair Credit Reporting Act : As required by law, I request that this information be blocked from my credit report within four ( 4 ) business days of receipt of this documentation. I also request written confirmation that this block has been placed and that all affected creditors have been notified. 
If you need additional information from me, please contact me at the phone number or email listed above. 
Thank you for your prompt attention to this serious matter. 
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 non-monetary relief
Consumer complaint received 2025-06-15 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: FL

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. The following inquiries are unauthorized : In accordance with 15 U.S.C. 1681i ( 7 ) I dispute the unauthorized inquiries as it lacks valid verification and evidence making it a violation. Please delete this inaccurate information promptly.

Please remove or delete ( Fraud alert with California address ). Please correct all inaccuracy and discrepancies with my address and add my phone XXXX to my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: DE

Complaint narrative:
Im filing this complaint against XXXX XXXX ( XXXX ) and XXXX, XXXX. regarding a refund of {$490.00} from XXXX XXXX that I never received, despite returning the item in person on XX/XX/year>, just 3 days after purchase. 

I provided XXXX with a return receipt, dispute form, and multiple follow-up emails explaining the situation. Yet for over XXXX months, they have repeated the same requests for documents I already submitted, ignored the contents of the receipt, and never escalated the case to a supervisor despite multiple polite requests. 

Each reply feels copy-pasted and dismissive they keep asking for a return policy, date of contact, and refund proof which are clearly printed on the receipt I submitted multiple times. The item was returned in-store, so there is no tracking number a fact I clarified repeatedly. 

This has been a deeply frustrating experience. XXXX has failed to take any meaningful action or responsibility. They are clearly delaying the process without justification, and I have no confidence they will resolve this unless the CFPB intervenes.

I am attaching : 1-Return receipt ( shows date, refund amount, policy ) 2-Signed dispute form XXXX email threads with BHNs dispute team

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX, # XXXX, Account name : XXXX  # XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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