vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
XXXX XXXX has clarified that the account in question does not belong to me. I have provided this information to Experian and yet Experian has failed to correct the information and update the credit report

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 2025-07-30 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: CA

Complaint narrative:
I submitted a complaint against these Bureaus a month ago, yet the incorrect information on my report persists. To my surprise, I have not received any communication from the Bureaus, and they have already closed my complaint. Can you clarify why my complaint was closed without addressing the issue? Have they acknowledged or verified my dispute? I require confirmation that they have thoroughly investigated the inaccuracies on my report and validated the accounts. Additionally, could you provide information on the verification methods they employed? This situation is extremely frustrating, as it has been over XXXX  days since I filed the complaint, and I anticipated updates to these accounts by now. If they are not updated promptly, I will be compelled to consider legal action due to the significant stress this has caused. Furthermore, I am worried about the security of my personal data, especially in light of the Equifax, Experian, and Transunion data breach.

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 2025-07-30 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: GA

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. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX - XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: FL

Complaint narrative:
The information is to be deleted but still in my profile

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX XXXXXXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and Transunion data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Abra

Complaint narrative:
Dear Sir or Madam, I've been Abra customer for 5 years and I deposited my assets including XXXX, XXXX, XXXX etc in Abra wallet for XXXX years. In XX/XX/XXXX, I checked my assets valued about XXXX in Abra wallet and my balance was about XXXX. Since then I didn't open Abra wallet  until XX/XX/XXXX. Guess what? On XX/XX/XXXX, when I opened my Abra wallet, my assets were gone, and my balance was XXXX. I was extremely nervous. I checked transaction history, and all of my assets were transacted on XX/XX/XXXX, and my balance was XXXX USD. Then I immediately emailed to XXXX, then on XX/XX/XXXX, I received reply from Abra XXXX XXXX XXXX and he said " he will escalate this ticket to his engineering team and send an update once they have additional information ''. However, I waited for a week, no response, then I emailed to XXXX, no response. I waited for XXXX weeks, no response, I emailed to XXXX and support team ( XXXX ; XXXX ), even I submitted a ticket on abra.com, and I also emailed to Abra XXXX XXXX XXXX ( XXXX ; XXXX ; XXXX ), NO response! I have been waiting for nearly XXXX weeks!!! NO response! Why Abra doesn't care their loyal customer like me? XXXX value of assets is vital to me, and I can't lose my assets. I want my money back ASAP! Please help me, thanks a lot! 
Regards XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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 ta timely and effective measures to prevent an t address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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 ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to ta " timely and effective measures to prevent i 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

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 2025-07-30 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:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-07-30 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: FL

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and 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 explanation
Consumer complaint received 2025-07-30 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: PA

Complaint narrative:
This account is being reported with material discrepancies across Experian, Equifax, and TransUnion, including but not limited to : Different account numbers listed Missing or incorrect Date Closed and Date of First Delinquency Gaps in payment history and ND ( No Data ) months Inconsistent last update/reporting dates Incomplete or conflicting remarks and codes Being as though this account is reporting inaccurate, inconsistent, and incomplete information across the three credit bureaus, Under FCRA 611, I am requesting an immediate investigation into the accuracy and completeness of this account. If you can not verify the data with full documentation from the original creditor, including the original signed agreement and accurate payment history, this item must be deleted from my credit report. 

Please complete your investigation within 30 days and send me written confirmation of the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
Submitted to the CFPB on XXXX Subject : Experian Continued Violation of FCRA 605B No Action Taken After 30+ Days This is a formal escalation regarding Experians complete failure to act on my identity theft dispute originally submitted on XXXX XXXX XXXX, and followed up on XXXX XXXX XXXX. Despite providing all required documentation under FCRA 605B, Experian has taken no action. As of XXXX XXXX XXXX, none of the disputed items have been deleted or blocked, and I have received no written response or explanation, violating multiple provisions of federal law. 

I submitted a complete and proper identity theft package, including : FTC Identity Theft Report ( under penalty of perjury ) Government-issued photo ID Social Security card Proof of address Highlighted credit report showing fraudulent data Experians failure to block or delete the disputed information within 4 business days is a direct violation of FCRA 605B ( c ) ( 1 ). If Experian contacted the furnisher or failed to block the data while initiating an investigation, this would constitute a further violation under 605B ( c ) ( 3 ), which strictly prohibits such actions once a valid identity theft report has been received. 

The fraudulent entries still reporting as of XXXX  : Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no relationship with this entity and never opened or authorized this account. ) Requested Resolution : Permanent deletion of all unauthorized inquiries and the fraudulent account Fraud block applied under FCRA 605B Written confirmation of deletion and block Immediate compliance with FCRA 605B, 610 ( a ), and 607 ( a ) Experians repeated failure to fulfill its obligations under federal law is unacceptable. If no resolution is provided immediately, I will pursue this matter further using all available legal and regulatory avenues. 

I consent to publication of this complaint on consumerfinance.gov after redacting 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
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
b'13 Inquiries on Credit Report not authorized by me.  The following are the companies that requested my credit file from Transunion, Experian & Equifax without my consent.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
Submitted to the CFPB 3rd Round Escalation Against Experian Subject : Willful Violation of FCRA 605B Selective Removal After Fraud Confirmation To the CFPB, This is a third formal complaint against Experian concerning their continued non-compliance with FCRA 605B. I initially submitted a complete identity theft dispute package on XX/XX/XXXX, which included : FTC Identity Theft Report Government-issued ID Social Security card Proof of address Annotated credit report In response to my claim regarding the fraudulent XXXX XXXX XXXXccount ending in XXXX, the company acknowledged on XX/XX/XXXX that you may have been a victim of fraud. The account was subsequently removed, along with one related inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). However, all other disputed inquiries, fraudulent addresses, and incorrect employer information remain on my credit file despite being clearly listed in the same identity theft complaint package. 

Experians partial response is a willful violation of the following sections of the Fair Credit Reporting Act : 605B ( a ) : Failure to block disputed fraudulent information after full documentation 605B ( b ) : No written explanation within the required timeframe for items not removed 605B ( c ) ( 3 ) : Unlawful reinvestigation or contact with furnishers despite identity theft designation 607 ( a ) : Publishing false and inaccurate information with actual notice 610 ( a ) : Lack of reasonable procedures to ensure compliance with the FCRA This selective deletion removing a single inquiry while knowingly leaving over 20 additional unauthorized inquiries, false addresses, and fraudulent employer data is unacceptable and shows bad faith. There is no legal basis for Experian to " pick and choose '' which fraudulent items to block once a valid identity theft report has been received. 

Unauthorized Hard Inquiries ( still being reported despite fraud confirmation ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-30 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: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
This is a formal dispute of an account that has been erroneously included on my credit file. I believe this is a case of mixed credit files or mistaken identity. I do not recognize this account, nor am I liable for it in any capacity.

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