vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
Notice ID : XXXXXXXX XXXX XXXX XXXX XXXX  Confirmation XXXXXXXX XXXX XXXX XXXX XXXX  Cash App Security Breach settlement Date started XX/XX/year> Over {$4000.00} use company cash app with block inc Im reaching out due major identity theft to multiple cyber, email hacking also phone calls. My total income tax was collected due to major identity theft. 

Reported with FTC/ OCVJC/ state police report for identity theft / State Attorney general/Identity Theft Affidavit IRS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: CA

Complaint narrative:
This is a formal demand for the immediate correction of my credit file pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., which mandates that all information on a consumers credit report must be accurate, verifiable, and complete. This includes personal identifiers such as names and addresses.

I hereby demand that you permanently remove all inaccurate and outdated personal information from my credit report, including but not limited to : Any names or aliases that do not match my legal name : [ Insert Legal Name ] Any addresses other than my current and sole address : [ Insert Current Address ] Maintaining inaccurate personal information is a direct violation of FCRA 1681e ( b ), which requires that credit reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information they report. You are also required to conduct a reinvestigation of any disputed item under FCRA 1681i ( a ) ( 1 ), within 30 days of the dispute. 

The continued inclusion of incorrect names and addresses not only violates federal law but hampers my ability to secure credit for the purpose of home ownership and business operations. This constitutes an unlawful interference in commerce, which the FCRA and the Federal Trade Commission ( FTC ) have deemed a violation of consumer rights. 

Further, if your agency fails to remove this inaccurate information, you may be held liable for willful noncompliance under FCRA 1681n and negligent noncompliance under FCRA 1681o, both of which allow for actual damages, statutory damages, punitive damages, and attorneys fees. Interfering with my right to access financial services as a result of your inaccurate reporting can also be considered a form of tortious interference in commerce and business under common law and could give rise to further legal actions. 

Let this letter serve as a final notice. If you do not correct my file and confirm these corrections in writing within 30 calendar days of receipt of this notice, I will proceed with filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and initiate legal proceedings for damages under the FCRA and any other applicable consumer protection laws. 

Please send me written confirmation of the deletions and an updated copy of my credit report once the corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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:
To whom it may concern, The following accounts are claiming to both own the same debt with a balance. As you know this is not possible and also a violation of my rights. Because of this, BOTH Accounts need to be removed from credit report immediately due to not properly validating the information in which a company has passed to you. Please delete immediately from all 3 bureaus i-e EXPERIAN, EQUIFAX & TRANSUNION . When the requested above deletions are made please mail me an updated copy of my credit report. 

Thank You Account XXXX ( XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ) Account XXXX ( XXXX XXXX ( Original Creditor : 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 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
Ive already submitted my FTC report and a copy of a police report to the company as well as the credit bureaus. This company refused to accept both items claiming the debt is still mine. This debt was obtained fraudulently and is not my account nor my debt. It was opened online with my information that was stolen through the dark web. My information has been leaked in multiple data breaches and has been on the XXXX XXXX since 2015. ( Social security number/ Drivers license ). This account cant be verified as my account because there is no valid proof I was the one whom obtained this account as it was opened online.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC.
State: RI

Complaint narrative:
XXXX XXXX withdrew XXXX transaction for XXXX dollars from my checking account with Santander Bank on XX/XX/year>, The bank returned the money at first they later took the money back saying I made the transaction. I have a claim for fraud with the XXXX police in RI, XXXX XXXX of XXXX is trying to get information from XXXX XXXX and they are not cooperating with him.

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 2025-05-01 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business
days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-01 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/year> an unauthorized transaction on Cash App ( family member 's / sponsored account ) was made. After investigating the matter myself, I contacted Cash App customer service via chat in the cash app then I contacted Cash App via phone. Each time I fully identify myself and provided requested information to Cash App per Cash App representatives. Cash App continues to advise me they can not give me information on where the money has gone and to find out where the money was transferred will take them 10 days. I check back daily to get an update and Cash App continues to skirt around significant facts. My concern is you can not link an external account to Cash App without an email and identifiable account information. Therefore, Cash App should be able to provide the requested information to me in XXXX minutes opposed to 10 days as a courtesy to consumer 's that could potentially be at risk of fraud as any financial institution should understand. For example, if I call the bank and report issues with my account such as an unauthorized transaction, the bank would take drastic measures immediately. The bank would also tell me immediately, where that transaction was made and who received the funds. I find it impossible for this to take 10 days given Cash App 's policy and regulations on linked accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: AR

Complaint narrative:
I am demanding the removal of inaccurate information from my credit report. These entries are clear violations of my rights under the Fair Credit Reporting Act ( FCRA ). Under Section 607 ( b ), credit reporting agencies are required to maintain maximum possible accuracy, and these errors blatantly fail to meet that standard. I expect an immediate investigation and correction of these inaccuracies. 

Moreover, under Section 609 ( a ) ( 1 ), I am entitled to obtain verifiable documentation about the source of this erroneous information. I expect this to be provided without delay. If you do not reinvestigate the disputed items within 30 days, as required under Section 611 ( a ) ( 1 ), further action will be pursued. 

Failure to correct these errors will result in legal action. This correction is not just an obligation, its necessary to prevent further harm to my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting a follow-up to CFPB Complaint # XXXX, originally filed on XX/XX/year>. 

XXXX XXXX XXXX continues to report a disputed account on my credit reports with Experian and XXXX 

Despite my dispute and Method of Verification ( MOV ) request, no documentation has been provided. XXXX failed to produce a signed contract, payment history, or any evidence of account validity. This violates : FCRA 611 unverified information must be deleted.

FCRA 623 ( a ) ( 3 ) furnishers must conduct a reasonable investigation. 

Additionally, on XX/XX/year>, the company responded via the CFPB portal and stated that there may be potential fraud involved. Yet, the account remains on my credit report with no resolution, exposing me to continued harm.

I am now demanding the following : Immediate deletion of this disputed tradeline from XXXX and Experian, due to lack of verification and the potential fraud admission.

The continued reporting of an account that may be fraudulent, without any supporting documentation, is a clear violation of federal law and causing ongoing credit damage. I request immediate relief and enforcement action.

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 2025-05-01 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: CITIBANK, N.A.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern : Subject : Dispute of Fraudulent Accounts Due to Identity Theft and Data Breach with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dillard. 
I am writing to formally dispute an account fraudulently appearing in my credit report for XXXX XXXX XXXX XXXX  I did not open these accounts or authorize anyone else to do so. These accounts result from identity theft, and the information reported is not accurate or authorized by me and must be removed from my credit file and your reports immediately. 

The following accounts are not mine : XXXX. Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Citi Cards-CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dillards Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$210.00} Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you : 1. Conduct a thorough investigation into these accounts. 
XXXX. Documentation bearing my signature shows that I agreed to pay this alleged debt. 
XXXX. A copy of the original application or agreement that grants any party the right to collect or report on this alleged debt. 
XXXX. Do not contact me until I have received the requested documentation. 
XXXX. Remove any information related to these fraudulent accounts from my credit report. 
XXXX. Cease reporting these accounts to any credit bureau or third party. 
Please be advised that a failure to comply with this request may result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I also reserve the right to pursue legal action to protect my rights under federal and state law. 
I expect written confirmation that these accounts have been removed, along with an explanation of your findings, within 30 days of the date of this letter via mail only. 
Sincerely, 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 2025-05-01 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. 
Accounts in Question XXXX  XX/XX/XXXX Balance {$21000.00} US DEPT ED XX/XX/XXXX Balance {$2300.00} US DEPT ED  XX/XX/XXXX Balance {$5000.00} US DEPT ED XX/XX/XXXX Balance {$1900.00} US DEPT ED XX/XX/XXXX Balance {$6500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-05-01 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-30 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: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
I got a chance to login an check my score, an its negative item an debt owned of a great sum..

Company response to consumer: Closed with explanation