vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Subject : Formal Identity-Theft Dispute and Immediate Request for Blocking of Fraudulent Inquiries Pursuant to 15 U.S.C. 1681c-2 ( Fair Credit Reporting Act ) To Whom It May Concern : I am writing to formally dispute and request the immediate blocking of fraudulent inquiries that appear on my Experian credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 

I have enclosed my FTC Identity Theft Report ( FTC Report No. XXXX ) and supporting identification documents as proof that I am the victim of identity theft. Under the FCRA, once a consumer submits an identity-theft report, the credit reporting agency must block any information identified as resulting from identity theft within four ( 4 ) business days of receiving such documentation. 

Fraudulent Inquiries to Be Blocked 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 ) These inquiries were not authorized by me, nor do I have any relationship or account with these companies. They are the direct result of identity theft and are causing severe harm to my credit standing and financial opportunities. 

I have repeatedly contacted Experian to resolve this matter ; however, no adequate solution has been provided. The presence of these fraudulent inquiries has negatively affected my ability to obtain essential credit, including a mortgage for my familys home. 

Legal Obligations and Requested Resolution Pursuant to 15 U.S.C. 1681c-2, Experian is required by law to : Block the fraudulent inquiries listed above within four ( 4 ) business days of receiving this request and my identity-theft report.

Ensure these inquiries remain blocked for at least one year, subject to renewal upon my request. 

Cease reporting or re-inserting any information connected to these fraudulent transactions. 

Please confirm in writing that these inquiries have been permanently deleted and blocked from my Experian credit file.

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 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
* XXXX XXXX * XXXX XXXX XXXX XXXX XXXX * I noticed this today when trying to open a account I did not authorize this activity and had no knowledge of it until I reviewed my account statement/notification,. I am requesting that you investigate this matter, block the fraudulent activity, and correct any records that may have been affected.

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 2025-10-09 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am filling a complaint against cash app ( Block , Inc. ) due to inadequate customer service. I and unfair practices, which violate the customer financial protection Act ( CFPA ) specifically, cash app failed to take 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 2025-10-09 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: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-10-09 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: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-10-09 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I purchased a XXXX  XXXX scanner through XXXX  XXXX using XXXX ( Case ID : XXXX ). The item arrived catastrophically damaged ( bent back panel, detached components, internal screws fallen out, will not power on ). The sellers agent acknowledged the damage but refused to issue a refund. 

Instead, the seller threatened me to withdraw my PayPal dispute or face permanent account suspension, and continuously added new documentation demands not in their published policy ( video evidence, repair shop quotes for obsolete equipment ). 

I opened a dispute with PayPal under XXXX and submitted all evidence, including photos and seller correspondence. Despite this, PayPal ignored the sellers admission and clear proof, and instead repeated the sellers unreasonable requests for third-party repair documents. 

PayPal has also delayed resolution far beyond reasonable time : the dispute was opened on XX/XX/year>, but PayPals system shows an estimated resolution date of XX/XX/year>. This is over six weeks, while the evidence is clear and undisputed. 

Importantly, PayPal has turned a blind eye to the sellers improper conduct, including threats and stalling tactics, and continued to demand additional documents from me even after I had already submitted all materials required by the sellers own published policy. 

PayPals handling has failed to provide buyer protection, ignored obvious evidence, and allowed the sellers improper tactics to block fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: NY

Complaint narrative:
I am subtting to formally dispute several inaccurately reported items on my credit report. These entries include charge-offs, late closed, collections, and inquiries associated with accounts I believe to be inaccurately or improperly reported. Upon thorough review, these accounts appear to contain discrepancies, incomplete information, or unverifiable reporting that may violate my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any item I believe to be inaccurate or incomplete, and to request that the credit reporting agency conduct a reasonable investigation. Additionally, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that all information included in my credit report be reported with maximum possible accuracy. FCRA 623 ( a ) ( 1 ) ( A ) prohibits data furnishers from reporting information they know or should know to be inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: WA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection. 

NCB MANAGEMENT SERVICE ( NCB ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX regarding account # XXXX. 



I sent two written requests for debt validation to the company the first one on XX/XX/year>, and the second one on XX/XX/year>XXXX  asking for verification and documentation of the alleged rental debt they are trying to collect. Both letters were sent to their mailing address, and I requested a written response within 15 days. 



XXXX XXXX XXXX never replied to either letter. It has been more than 30 days since my last communication, and I have received no documents or proof of the debt. Despite that, the company continues to report this account to the credit bureaus, which violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 



I am requesting that the CFPB require XXXX XXXX XXXX to either ( 1 ) provide full and proper validation of the alleged debt, or ( 2 ) immediately remove any unverified or inaccurate information from all consumer credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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:
TransUnion is reporting inaccurate and inconsistent information regarding my closed account with XXXX XXXX XXXX XXXX ( XXXX XXXX ). 

According to my verified records and my XXXX  report, the account was : Opened on XX/XX/year>XXXX  Paid in full and closed on XX/XX/year>XXXX  Never late, with a perfect 100 % on-time payment history Status : Paid, Closed / Never Late. 

However, TransUnion continues to inaccurately display this same account as : Derogatory, despite being fully paid and current Showing an improper remark under the payment history section that conflicts with XXXX  verified data These conflicting details are violations of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) failure to properly reinvestigate disputed information 15 U.S.C. 1681s-2 ( b ) duty of data furnishers to correct and update inaccurate information I formally requested verification and supporting documentation for this reporting, but TransUnion failed to provide any proof of delinquency or authorization for continued derogatory reporting. 

This inaccurate reporting negatively impacts my credit standing and misrepresents my payment history. I am requesting immediate deletion or correction of the XXXX XXXX account record to reflect the accurate, verified status Paid in full, Closed / Never Late.

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 2025-10-09 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: CA

Complaint narrative:
XXXX'Subject: Dispute of Incorrect Personal Information on Credit Report\nDear Transunion,\nI hope this letter finds you well. I am writing to dispute certain items on my credit report that I believe to be\ninaccurate and unauthorized. After reviewing my credit report, I have identified the erroneous items that\nwere not authorized by me. I kindly request your assistance in investigating and rectifying these\ndiscrepancies.\nBelow are the items which I am disputing:\n1. Please update and remove these incorrect names from my credit report immediately. My correct\nname is XXXX XXXXXXXX. Please remove these incorrect address(es) from my credit report immediately. My correct\ncurrent address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI request that you conduct a thorough investigation into these matters and provide me with the results at\nyour earliest convenience. If you find that these items are indeed inaccurate or unauthorized, I\nkindly request the removal of these items from my credit report.\nI understand that you have 30 days to investigate and respond to my dispute, as stipulated by the\nFair Credit Reporting Act (FCRA). Your prompt attention to this matter is appreciated.\nPlease send me written confirmation once the investigation is complete and the inaccurate information\nhas been removed from my credit report.\nThank you for your prompt attention to this matter. I look forward to a swift 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 non-monetary relief
Consumer complaint received 2025-10-09 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: NC

Complaint narrative:
I have XXXX accounts with Transunion and Experian XXXX XXXX XXXX  card, and XXXX that are saying on my credit report that I have settled for less than the full amount and the account is in a Derogatory status! 
I have not settled with either of these cards and I have been paying as agreed from the time I have open both cards to the present time! I have requested numerous disputes but when ever I try and call Experian the AI bot that answers the phone hangs up on me and won't allow me to speak to a human! When I call Transunion I am talking to a foreigner and there XXXX is not good and we have a language barrier and when I try to explain this issue came about from a mistake from a Transunion employee that called me on XX/XX/XXXX and caused my credit score to drop on both Transunion and Experian from the XXXX on Transunion and XXXX on Experian because XXXX of my accounts we switched to settled to less than agreed amount on XX/XX/XXXX and I have been able to get XXXX fixed but XXXX are still not fixed and still listing me as Derogatory and settling on XXXX and my XXXX XXXX Card. I need to get my credit fixed, it took me XXXX and half years to get from XXXX to over XXXX and to have it plummet on XXXX of the credit bureaus due to negligence is infuriating! I have my statements that will show on both cards that I have not missed a payment and I have been paying as agreed since I opened both cards please fix 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 2025-10-09 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:
I am submitting my complaint as my seventh dispute concerning the inaccurate reporting of an account listed as XXXX  XXXX XXXX with a Balance Owed of {$0.00}. This account has been reported as late closed, which is not only misleading but also inaccurate based on my records. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights to request a full reinvestigation and permanent removal of this erroneous entry from all of my credit reports. 
Pursuant to FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute information that I believe is incomplete or incorrect, and you are required to investigate and permanent delete any information that can not be verified. In addition, FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or have reason to believe is inaccurate, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) requires the maintenance of maximum possible accuracy in consumer reporting. Lastly, under FCRA 605B 15 U.S.C. 1681c-2, I am requesting the permanent removal of this item, as it is unverifiable and does not accurately represent my payment history or account status.

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