vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-05-28 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: VA

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-05-28 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXXregarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer Service and unfair practices, which violate The Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take Timely and effective measures to prevent and Address fraud on their platform, leaving my Account vulnerable and unprotected. 
Furthermore, their dispute resolution process Was unfair and deceptive, as they did not Comply with error resolution requirements Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions Have caused significant inconvenience And financial loss, and I seek appropriate redress For these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed serveral inccuracies and unauthorized accounts information reporting to my credit report. These remarks have been determental to my life and credit heath.

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 2025-05-28 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: CA

Complaint narrative:
I want to unequivocally state that I have never applied for any credit product or account with XXXX. I have no relationship with this financial institution. This account is fraudulent and was opened without my knowledge or authorization. XXXX XX/XX/year> is presented only in Equifax and Transunion and i don't have this account on my XXXX credit report. 
The presence of this fraudulent account on my credit report is negatively impacting my creditworthiness and causing me significant distress. I am requesting that the CFPB investigate this matter thoroughly and take immediate action to have this unauthorized account permanently deleted from my credit reports ( Equifax and TransUnion ). I also request that the CFPB ensure that any associated inquiries or negative marks are removed.

Please advise on the next steps in this process and what additional information you may require from me. I am committed to cooperating fully to resolve this issue as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: SC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-28 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: NV

Complaint narrative:
I was notified of a possible exposure of my personal information due to a data breach that was leaked. It wasn't my XXXX time receiving an alert like this but i didn't think nothing of it. Fast forward 2 years later i discovered dozens of accounts, inquiries that were not opened by me. It turns out someone used my information illegally to open numerous of XXXX  cards. As of right now i only have information for XXXX accounts. The XXXX are as follows. " XXXX XXXX XXXX XXXX '' opened XX/XX/XXXX reporting a balance of {$4100.00}. A " XXXX '' opened XX/XX/XXXX reporting an open balance of {$0.00}. A " XXXX XXXX '' opened XX/XX/XXXX reporting an open balance {$35.00}. To top it off the final " XXXX XXXX XXXX '' opened XX/XX/XXXX reporting a balance of {$460.00}. These XXXX accounts are the only accounts i have proper information about. There are XXXX XXXX XXXXXXXX  more i have to get proper information for to properly dispute them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: NV

Complaint narrative:
I was notified of a possible exposure of my personal information due to a data breach that was leaked. It wasn't my XXXX time receiving an alert like this but i didn't think nothing of it. Fast forward 2 years later i discovered dozens of accounts, inquiries that were not opened by me. It turns out someone used my information illegally to open numerous of XXXX  cards. As of right now i only have information for XXXX accounts. The XXXX are as follows. " XXXX XXXX XXXX XXXX '' opened XX/XX/XXXX reporting a balance of {$4100.00}. A " XXXX '' opened XX/XX/XXXX reporting an open balance of {$0.00}. A " XXXX XXXX '' opened XX/XX/XXXX reporting an open balance {$35.00}. To top it off the final " XXXX XXXX XXXX '' opened XX/XX/XXXX reporting a balance of {$460.00}. These XXXX accounts are the only accounts i have proper information about. There are XXXX XXXX XXXXXXXX  more i have to get proper information for to properly dispute them.

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 2025-05-28 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: NC

Complaint narrative:
My name is XXXX XXXX, my social is XXXX, date of birth is XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that 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. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX on XX/XX/XXXX account number XXXX with a balance of {$1100.00}. Also XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$160.00}. These inquires are also listed on my report fraudulently, EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-28 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, Tx XXXX Midland Credit Management , Inc . 
XXXX  XXXX XXXX XXXX, XXXX, CA XXXX Subject : Debt Verification Request Account # ( if known ) Dear Midland Credit Management, I am disputing the debt listed under your name on my credit report for the amount of {$620.00}, last reported on XX/XX/year>. I request full validation of this account as required under federal law. This includes a copy of the original agreement, the chain of custody of the debt, and a complete payment history. 
Until proper validation is provided, I request that you refrain from further reporting to credit bureaus. If you can not verify this account, it must be removed immediately. 
I appreciate your cooperation and expect a response within the required timeframe. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
In light of a recent data breach, fraudulent accounts have been added to my credit report. 
Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block them within 4 days : 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  XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: AUTO MARKET OF FLORIDA, CORP
State: FL

Complaint narrative:
I am formally disputing an unauthorized vehicle that has been reported on my credit file. This entry is fraudulent, inaccurate, and unverifiable, and must be immediately removed in accordance with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ).

Creditor/Agency Name : Auto Market Of Florida Account Number : XXXXXXXX XXXX XXXX  This account is showing on my XXXX Report File NumberXXXX and my XXXX Credit Report Under 15 U.S.C. 1681i ( a ) ( 5 ), any credit report item that is found to be inaccurate, incomplete, or unverifiable must be deleted. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) mandates that furnishers must correct erroneous information upon receiving notice.

As required by 15 U.S.C. 1681i ( a ) ( 1 ), I expect a written resolution within 30 days from the date of this letter. If corrective action is not taken, I am prepared to escalate the matter further, including filing complaints with the Federal Trade Commission ( FTC ) and seeking legal remedies if necessary. 

I appreciate your immediate attention to this matter and request written confirmation of the removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: NJ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-28 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: FL

Complaint narrative:
Recently i checked my credit report and noticed multiple billing errors under 15 U.S.C code 1666 ( b ) billing error. As i know the creditor did not notify me 21 days before with a statement so there should be no late payments on this account.

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 2025-05-28 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: TX

Complaint narrative:
I noticed several inaccurate and unauthorized account information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-28 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to unequivocally state that I have never applied for any credit product or account with XXXX. I have no relationship with this financial institution. This account is fraudulent and was opened without my knowledge or authorization. 

XXXX XX/XX/year> is presented only in Equifax and Transunion and i don't have this account on my XXXX  credit report. 
The presence of this fraudulent account on my credit report is negatively impacting my creditworthiness and causing me significant distress. 

I am requesting that the CFPB investigate this matter thoroughly and take immediate action to have this unauthorized account permanently deleted from my credit reports ( Equifax and TransUnion ). I also request that the CFPB ensure that any associated inquiries or negative marks are removed.

Please advise on the next steps in this process and what additional information you may require from me. I am committed to cooperating fully to resolve this issue as quickly 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