vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 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 XXXX 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 2025-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NY

Complaint narrative:
Im a small business owner. I opened a new Square account in XX/XX/year> for a brand-new business. I passed all their verification steps, ordered their hardware ( including an {$800.00} terminal ), and was actively using the platform to process payments for my customers. 

After several successful transactions and compliance checks, my account was suddenly closed immediately after I added a debit card to fund my Square balance ( for an upcoming automatic charge ). About XXXX minutes later, I received a message that my account was permanently deactivated due to suspicious activity.

I contacted Square support. Their only response was that the decision is final and based on security concerns. They refused to provide any specific explanation or details.

I believe this closure may be related to a completely separate Retail Store Square account I had 6 years ago that was also closed without explanation in XXXX  But this is a new business, with new credentials, new type of industry and I followed all policies carefully. 

To make it worse, I requested a refund for the {$800.00} terminal, and they declined, saying that more than 30 days had passed even though the account was shut down by their decision. I am requesting that Square be re
quired to : 1. Provide a clear reason for the account closure ; 2. Reconsider deactivation based on my clean business activity ; 3. Refund the terminal if they refuse to reinstate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX have violated my rights 15 USC 1681 section 602 A states I have a right to privacy these erroneous accounts are affecting my livelihood.

15 USC 1681 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instruction.15 USC 666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

15 U.S. Code 1681ai states you must investigate within a reasonable amount time.

15 USC 666b A creditor May not treat a payment on a credit card account under a consumer credit card plan as a late payment for a reason I have never had accounts with these companies Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Please delete these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
In accordance with the Fair Credit Reporting Act the following companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX have violated my rights 15 USC 1681 section 602 A states I have a right to privacy these erroneous accounts are affecting my livelihood.

15 USC 1681 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instruction.15 USC 666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

15 U.S. Code 1681ai states you must investigate within a reasonable amount time.

15 USC 666b A creditor May not treat a payment on a credit card account under a consumer credit card plan as a late payment for a reason I have never had accounts with these companies Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Please delete these accounts

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 2025-06-13 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under 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 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Signed up for lifetime credit repair service.

The service notified they were changing terms service and could opt out and get refund. I opted out but never got refund. I submitted to Apple emails and they turn dispute away. So I refiled dispute.

This is third time Apple has improperly handled a dispute.

They need sued

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-13 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C ... C 1681c-2 ), that you, Transunion credit reporting agency, block information appearing on my consumer credit report that results in identity theft and fraud within XXXX business days of you receiving this complaint. This inaccurate and false information consists of XXXX XXXX XXXX XXXX of {$1200.00}. This account has resulted in a fraudulent collections account opened on XXXX XXXX on my consumer FICO report. I do not recognize this account, the collections as reported. I have attached a copy of the FTC 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 2025-06-13 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am submitting this complaint against Experian for its failure to investigate a fully documented and legally valid credit dispute, in direct violation of the Fair Credit Reporting Act ( FCRA ). Experians refusal to act has hindered the correction of inaccurate and damaging information on my credit report, resulting in ongoing harm to my credit profile and financial wellbeing. 
On XX/XX/year>, I mailed a dispute letter to Experian via USPS Certified Mail ( Tracking # XXXX ). In this letter, I formally challenged multiple inaccurate items reported on my credit file. As required by law, I included all appropriate identity verification documentsspecifically, a copy of my government-issued photo ID, Social Security card , and a recent utility bill reflecting my current address. According to USPS tracking, Experian received my dispute on XX/XX/year>. 
On XX/XX/year>, I received an email response from Experian stating : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 
This claim is baseless. The dispute was submitted with all documentation clearly verifying my identity and mailing address. Experians refusal to investigate or acknowledge my dispute, despite confirming receipt, is a blatant violation of FCRA Section 611. Under this statute, consumer reporting agencies are legally required to conduct a reasonable investigation and provide a response within 30 days of receiving a valid dispute. Experian has failed to meet this obligation entirely.

This negligence is not just proceduralit has real consequences. The continued presence of inaccurate items on my credit report is impairing my ability to access financial services, apply for credit, and protect my financial reputation. Experians actionsor lack thereofdemonstrate an unacceptable level of disregard for federally mandated consumer protections.

To support this complaint, I am attaching the following documentation : A copy of my original dispute letter, Identity verification documents submitted with the dispute, USPS Certified Mail receipt ( Tracking # XXXX ), Experians email response dated XX/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 2025-06-13 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under 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 non-monetary relief
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-06-13 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: TX

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 shalli ) 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. 

Please remove the following items from my credit report, immediately : Experian * * * * Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX. 
Account type Debt Buyer Date opened XX/XX/XXXX Balance {$620.00} Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX. 
Account type Debt Buyer Date opened XX/XX/XXXX Balance {$510.00} Account name XXXX  XXXX Account XXXX Original creditor- Company sold- Account typeUnsecured Date openedJul XXXX, XXXX Balance {$1200.00} Open/closed : Closed Account name XXXX Account number XXXX Original XXXX Company sold- Account type Credit card Date opened XX/XX/XXXX Balance {$5200.00} Open/closed : Closed Account name XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX sold- Account type Credit card Date opened XX/XX/XXXX Balance {$7900.00} Open/closed : Closed Transunion * * * * Opened Sep. XXXX, XXXX Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX  XXXX XXXX A Closed No Info Balance {$620.00} Opened XXXX XXXX, XXXX Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX Closed No Info Balance {$520.00} Opened XXXX XXXX, XXXX Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX  XXXX XXXX A Closed No Info Balance {$510.00} Opened XX/XX/XXXX Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX OF Closed No Info Balance {$11000.00}

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
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) 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. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX Transunion XXXX Experian ) XXXX Collection Date Opened XX/XX/XXXX XXXX XXXX XXXX ( Transunion & Experian ) XXXX Collection Date Opened XX/XX/XXXX XXXX XXXX XXXX  ( Transunion & Experian ) XXXX Collection Date Opened XX/XX/XXXX XXXX XXXX XXXX ( Transunion & Experian ) XXXX collection Date Opened XX/XX/XXXX XXXX XXXX  ( Transunion & Experian ) XXXX XXXX XXXX  Date Opened XX/XX/XXXX XXXX XXXX XXXX  ( TransUnion Only ) XXXXXXXX XXXX XXXX Date Opened 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 explanation
Consumer complaint received 2025-06-13 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: PA

Complaint narrative:
I XXXX XXXX XXXX reviewed my credit report and found the following accounts to be in error. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months I noticed this problem in XX/XX/XXXX Accounts Account Name : XXXX Account Number : XXXX Account was open : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX XXXX XXXX Account XXXX Account was open : XX/XX/XXXX Account Balance : {$1700.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX open : XXXX. XXXX, XXXX Account Balance : {$3400.00} Account Name : XXXX XXXX  Account number XXXX Account was open : XX/XX/XXXX Account Balance : {$19000.00}

Company response to consumer: Closed with non-monetary relief